Many hundreds of years ago it was quickly determined that performing surgery on yourself wasn’t the most practical idea. (Remember as a kid when you tried to rub your belly with one hand while patting your head with the other? Now imagine doing that with a razor sharp surgical stone in one hand.) As a result the profession of Doctor was invented. At first, they might have been referred to as the village medicine man, but I think you get the picture.
It has been 40 years since the 401k was introduced and we are still asking retirement savers to effectively “operate on themselves” when it comes to managing their 401k balances. So far, most self-help solutions focus on providing more and more retirement planning tools, calculators and general education. This is like believing that if we can just produce a better manual or surgical scalpel, then finally people will be able to perform their own open-heart surgeries.