Probably because people are tired of front loaded annuities that pay 2.6% a year. Sure, getting a 539 page prospectus of your funds and a wheelie-dealie calculator is great, but not my bag of tea.

Ask England how their pensions are going…. GILTy as charged, I’ll take the market.

Put in what they’ll match, put it in aggressive funds, then put 12% in a brokerage and dca SPY. Twenty years is on your side. And you don’t maintain a bunch of turds on your nickel.

That debt was killing you, you offset anywhere from ~10-17% on paying it off of it was at a reasonable rate.

I’d say you’re in a better position than most. If you’re clear of debt, you’re solid.