A 401k is a wonderful account to help for the long term for your retirement, but do you know about

all of the fees within these 401ks?

And do you understand fully, yes, how they work, but also if there's anything you can do to tweak

that so that you're paying for fees where you get value, and you are certainly not paying for

fees where you don't get value.

And so my job today is to show you

those fees so that you have a complete understanding and confidence in what you should do to help

you optimize your retirement. So that is what I'm going to be talking about today. Before I hop in,

I want to highlight a recent review. And this review comes from someone who just sent me an email and

it was just touching. So I wanted to share it with you all, which is Ari, thank you so much for your

guidance through the podcast. And this comes from Lewis. So thank you, Lewis, for that. You're very

welcome. I can see that you are passionate about an early retirement. And I often am going to bed at night,

wondering if I'm going to run out of money. Your podcast helps clarify this for me as well as your insight on part-time income, which I had not

considered heavily.

So, Lewis, I'm glad that that was helpful.

And yes, part-time income can play a major role in an early retirement.

I have other episodes discussing that.

Do you need part-time income in order to often retire early? No, but it can often help bridge that gap between the years where Social Security or future income sources might turn on, whether it be a pension or rental income or other things, sometimes bridging that gap with part-time income, even if it's a relatively small amount in comparison to what you made for the majority of your career can play

a major role. So today I'm going to be talking about those 401k fees that I mentioned,

and I want to hop right in. So let's talk about the first fee. The first fee is that record keeping fee.

Now, when I say the record keeper, I am talking about Vanguard or Fidelity or Empower. And some of those,

you're probably going, yeah, Ari, that's where my accounts are or it's, no, I'm actually with a

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