Justin Baer
speaker
55 appearances
2 recordings
1 series
first heard Mar 2026
last heard 6d ago
Justin Baer’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 2 in all, peaking in Sep 2026 with 1.
Appearances
They get it.
There's a funny story where a lot of companies started calling these programs salary reduction programs, you know, which was not very appealing, right?
If you're an employee, particularly, you know, you're just starting out and they say, oh, we've got this new retirement plan.
It's called salary reduction plan.
It's like, well, I don't want to get paid less.
It's crazy.
By that point, it looks a lot more appealing, right?
Because the market is really taking off in, you know, starting in the early 80s.
And so suddenly the idea that you would be picking winners, picking funds you really like, that seemed a lot easier then.
you know, when the market is rising sharply, as it did for that period.
I think what was not as well understood by employees was
how, yes, over a long period of time the market
goes up usually, but it doesn't always meet your timetable, right?
So I think where it's hurt the most has been when we have disruptions to the market, we have down markets at moments when you have a lot of people who are edging closer to retirement.
And then losing 20% or 30% of that so close to the finish line is very painful.
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