My coworkers all contribute to their 401k but I cannot bring myself to lock up money I might need when I have never had financial security before in my life.
More people experience this than they realize.
Past experiences of financial instability make it difficult to trust that money will be there when you need it, even in advantageous retirement accounts.
“Where Are You with Stock market investing for individuals?”
If this sounds familiar, the Library can help you find the bigger picture.