What do when you do when you're 401k just is not that good?

Brian, I am so excited because we get to answer questions like that. Hey I have this

financial thing going on in my life how do I approach it how do I attack it how do I

figure out how to navigate that that's one of the things that we love doing here

at the Money Guy Show, and we love being able to speak

into the things that truly matter to you guys.

So right now we have the team out in the wings

collecting your question, make sure you get them in the

chat and with that I'm going to throw it over to you producer Ruby.

Oh yeah we've got a question to kick us off from Jake he says I have a horrible

401k.

My employer doesn't give any match

and the fees are close to 1.5%.

I've tried to talk to HR about switching providers,

but they won't budge should I get the tax

deduction and then roll the money immediately into an IRA or just skip it and

contribute to a taxable brokerage for now what do you think what do you do if you're

401k I want to make sure

I clarify. High fees, I heard the high fees, what was the other parts that... No match?

No match. That's the big one. One and a half percent annual fee.

Because we get this question all the time.

People will say, hey, I don't have a match.

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