If you are not a financial loser then you should not be afraid to to take the two minute test that will prove that if you are funding your 401k with stocks, bonds or mutual funds for retirement you are losing a fortune.

What does one do when there is a group that wants to financially keep you anchored at the bottom of the sea. I want to tell you about a government that has allowed their political leaders to systematically destroy our dollar with devaluation and taxes. Do not get me wrong our government is the best in the world, but it could stand a lot of tweaking.

The country is the United States. But if you ask any politician what he thinks about the dollar having depreciated from 1913 to a nickel in 2010. He knows very little if anything, about what you are talking about. But it does not take a rocket scientist to understand that homes that used to cost $5000 in 1950 cost $100,000 today. And the average home across the United States is much higher than $100,000.

In 1965 I could buy a nice home for $30,000 and that same home today cost over a million dollars. Today that $30,000 will not buy me the bathroom in that same home. Yet the politician we send to Washington have no clue that the American Public has been ripped off. That is giving them the benefit of the doubt. If they did know about it, people would be yelling "get a rope".

So what does this have to do with your 401k and calling you a financial loser if you have one funded by stocks, bonds , or mutual funds. It has every thing to do with it. Inflation has shrunk the dollar to a nickel. Lets be perfectly clear what causes the dollar to buy so little today. It is the printing of money that is backed by nothing, certainly not gold or silver. Lets say the country is populated by 10 units of people and each unit controls 100 dollars. So $1000 represents the money circulation. Then along comes the government and they print $30 or 3% of the country's money supply. With it they pay the unions, who give the money to the bosses in the form of bloated pensions for voting one way or the other. The unions get the money and everything in the country that used to cost a dollar costs a $1.03 today. It is called inflation. Another way of saying it is the dollar only gets 97% of what it used to buy. Anyone can verify this on line with any google. Because of this it is impossible to invest 10% of ones income and not expect for your retirement plan to do anything but fail. Government statistics tell us that 95% of the public that saves for 40 years and can not retire because the dollar will not keep up with inflation.

A lot of people complain about high taxes but the devaluation is what is really killing us. We have both.

If you are interested in knowing more and what you can do to save your 401k please visit www.401kretirement.com and take a two minute test.