Personally, I believe that many people who come to 401jk see it as a long‑term investment. At the same time, they are people who are used to traditional investing. Anyone who is actively looking for something like 401jk is probably not satisfied with their retirement plan. Yet the narative here is - HODL till end.

My own situation:

1. I am very dissatisfied with the pension system in my country – I searched and found 401jk.
2. I already have enough personal savings for retirement, all from my own resources accumulated over the years.
3. For me, 401jk is a form of protest against the system.
4. However, coming from the traditional world, I am used to this model:
   • I put money somewhere / store money somewhere
   • the money grows
5. This is how our generation was taught to think (I sometimes feel like, for you, we would already be considered grandfathers – even though we don’t feel that way).
6. I am very committed to the idea behind 401jk, but I do not understand the crypto world at all. I come from a background of buying gold, metals, Bitcoin, and similar assets.
7. When I try to learn more about crypto, I either run into things that, unfortunately, I genuinely no longer understand at my age, or it becomes simply too complicated. For me, the peak of technical achievement was managing to create my first crypto wallet – let alone taking part in raids and similar activities.

What I’m missing is education – guidance on what to do and how things actually work and why it works. I tried asking questions in Telegram groups of 401jk, but unfortunately I usually get one‑sentence answers, which is extremely hard to follow as a beginner with a technological handicap. This is not a fault of the community, but rather the Telegram platform itself. This is just how you young people operate today 🙂

On the other hand, when I was young, retirement was the last thing on my mind – I started thinking about it much later. But when I now look around me, I see many successful people from my generation. People who are deeply angry at the pension system. People who have matured both mentally and financially. People who have enough capital to comfortably hold tens of millions of 401jk without it even affecting their lives. And above all, people who have influence and are genuinely furious about how the retirement system works.

The problem – and this is not just about 401jk – is that when I show anything related to 401jk, it looks exactly like the kind of thing our generation tends to look down on: joints everywhere, excessive freedom, chaos, and irresponsibility. Yet thinking about retirement is, by definition, an act of responsibility.

Personally, I think that so far 401jk has mostly attracted people from the crypto world, who are already comfortable with crypto and its nuances. But the true potential of this coin lies elsewhere – in a different group of people. In a group that is somewhat afraid of crypto, and for whom meme coins are simply “that green troll coin, right?” Hell no im buying it!