Why is logging into a 401(K) such a hassle? It’s a circus when we try to log into my wife’s retirement plan. (Any task that starts with “logging into her company’s VPN” is off to a rough start.) Most people I know don’t even bother checking these accounts. Which is probably good (and perhaps a big unintentional benefit of this user unfriendliness!). It is tough to beat the “set it and forget it” rhythm of regular retirement contributions, where dollar cost averaging works in our favor. That’s what I did with my last 401(K). I set it once and forgot about it.… Read more