rich1.0daniel (npub1ae…q4nwx)https://yabu.me/npub1aeh2zw4elewy5682lxc6xnlqzjnxksq303gwu2npfaxd49vmde6qcq4nwxnjumphttps://yabu.meYes, I considered that, but in my mind I’m including a 401K (a US-specific program) in that category as many employers also pay into it to offset their own taxes. You’re putting it away in a deferred account but trusting fund managers not to lose you money before you’re allowed to touch it.