re: Are any of y'all anti- 401K or IRA

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The downside is the employee withdraws the money, pays the taxes and 10% penalty (if he's under 59 1/2) and then has zero left for retirement or a rainy day. I realize no one should be protected from their own stupidity, but in the real world some employers actually do want their employees to have some money put away for when they retire.

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I understand this. However, replace the word "employer" with "government" and you're suddenly the Ghiracci chick.

ETA: I'm not attacking the concept of 401(k) or employer matches or anything. I'm just curious as to why you get irate at the idea that the gov't controls the employee's account, but think it's cool for the employer to also do so. I assume you think the employer is inherently more trustworthy/capable than the government, but we both know that may or may not be true, depending on the employer.