"The 401(k) Match Myth, Why Your ‘100% Return’ Isn’t What You Think"

You can start making passive income by just clicking here: https://bit.ly/3JcV2iA  You’ve been told for decades that your 401k match is a “100% return.” 

Every financial advisor parrots it as the easiest, most brainless investment decision you’ll ever make. But what if I told you the math doesn’t actually add up? What if that so-called 100% return is really just smoke and mirrors and you could be doing far better on your own?

In this episode, I break down the myth of the 401k match with real numbers.

Using simple math and the power of compounding, I show you why a dollar-for-dollar match is not the golden goose you’ve been led to believe. In reality, it’s not a 100% return it’s closer to an additional 2–3% effective rate of return over the long haul. And the longer you keep your money trapped in a 401k, the worse that match looks.

We dive into why 401k performance often lags behind even simple index investing, thanks to high fees and underperforming target date funds. I reference Fidelity’s 10-year track record, which shows average investors losing more than 2% annually compared to the S&P 500 before fees. Add in administrative costs and suddenly your “match” doesn’t look like much of a win at all.

I also share why the rule of 72 exposes the ugly truth: the longer you keep money in a 401k, the weaker the match becomes as compounding works against you. Instead of real wealth-building, you’re left with decades of locked-up money, little control, and results that often disappoint retirees who thought they’d have millions saved.

But here’s the real kicker: I show you how one client turned his 401k into a wealth-building machine by using in-service distributions. Instead of letting his money sit locked away, he pulled funds out, bought over $1 million in real estate, and created real passive income for retirement. That’s the difference between theory and financial freedom.

If you’re tired of believing Wall Street’s lies, this episode will open your eyes. I’ll explain why the match is not what it seems, why your company loves it (hint: guaranteed fees), and most importantly, what you can do differently to actually create financial independence not just someday, but now. Don’t let your legacy be tied up in a tax-deferred prison. Learn how to free your money and put it to work today.