In this conversation, Steve and Derrick discusses the hidden fees associated with 401k plans and their significant impact on retirement savings. They emphasize the importance of taking control of personal finances, exploring alternatives to traditional 401k investments, and the role of annuities in providing guaranteed income. The discussion also covers the consequences of withdrawing from 401k accounts and the importance of partnering with financial professionals for effective retirement planning. <a href="https://hoylfinancialgroup.com/radio/#paycheckform">Get Your Complimentary Retirement Analysis</a> Social Media:&nbsp;<a href="https://www.facebook.com/HoylFinancialLLC/">&nbsp;Facebook</a>&nbsp;I&nbsp;<a href="https://x.com/i/flow/login?redirect_after_login=%2FHoylFinanacial">Twitter&nbsp;</a>See <a href="https://omnystudio.com/listener">omnystudio.com/listener</a> for privacy information.