You commit for 30yrs, they put up nothing.
Picture this deal:
You commit for 30 years.
You fund it 100%.
You carry every ounce of the risk.
The other party puts up nothing.
And at the end of the agreement, they get to decide how much they’re going to take from you.
In the real world, that’s fraud.
In finance, it’s called a 401(k).
We’ve been trained to believe it’s “responsible” to warehouse our money in a government-approved cage and call it a plan.
You surrender control.
You pay fees whether the market goes up, down, or sideways.
And you hope, hope, that decades from now the tax code feels merciful.
All while your capital is locked up and useless.
Need a car? You borrow your own future money at interest.
Want a house? Same story.
The bank gets paid.
The advisor gets paid.
The IRS keeps first position on your life’s work.
You’re just the middleman, moving money from your labor into everyone else’s pocket, telling yourself “stay the course” because admitting the truth would hurt too much.
This isn’t wealth building.
It’s compliance.
Wealth doesn’t come from being a disciplined saver.
It comes from designing systems, controlling capital, and making money work while you’re alive.
Wealth isn’t about patience.
It’s about architecture.