“You could sit down and, in an hour, write out a plan,” he said. “But is it going to be the right plan? Is it going to be thought through carefully enough? Have you thought about the resources you ...

Suggesting that someone max out a 401 (k) is like saying, "I want you to take $23,500 off the top of your annual salary and tuck it away in an account you can't access without being penalized until ...