[mpwoz]

Re: [1] - I was interested in how this worked so I read the article, here's a quote:

"The 55-year-old electrical troubleshooter ignored his financial planner's advice, keeping 100 percent of his 401(k) money invested in Enron stock. He purchased more Enron shares with his savings and annual bonus"

"In addition to contributing the maximum 15 percent to their 401(k) funds, the Stevenses were buying $600 a month in Enron stock. Cathie Stevens, who had been so poor as a teenager that she picked strawberries for clothing money, even flipped her annual bonus money back into the purchase of Enron options."

Not sure who you're really blaming for people "retiring with nothing" if they put all their eggs in one basket like that, against experts' advice.