@BowsacNoodle @PraxisOfEvil @flux_the_cat personally, i wouldn't count on ever seeing a dime of what i put in to a designated retirement account, it goes from real money that you can hold in your hand to imaginary money that you may or may not get in the future.
sure there's vast tomes of laws and regulations governing how the various types of retirement accounts are run and taxed, but what if they just go and change them, because fuck you that's why?
the era of a stable financial system in the west where it was reasonable to expect things to stay the same for enough decades that one could plan for retirement has come to an end. if they're willing to a throw a wrench into their own system of global financial control in a hissy fit over the situation in ukraine, they're more than willing to arbitrarily change the rules on retirement accounts in a way where regular folks will never see more than a pittance from them.