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Tell that to everyones 50 year old mother who doesnt even know how to login to their account, let alone modify their allocations.

50 isn’t old? I would expect a 50 year old mother to be competent.

I learned computers and investing from my mother. She’s pretty competent approaching 80.

It's like the very first golden rule, do not expect competency from another human being.

I mean, idk what's in your 401k fund choices, but in all mine I'd have to take serious manual effort to get in to QQQ or equivalent