Saving log - $1 tip box
Spending log - $0
Found money - $0.24 (bus stop, sidewalks, gutter, elevator floor)

At the all staff meeting this morning HR presented the benefits survey - who likes what and how much. HR was a bit surprised that the 403B was less popular than the dental plan. And a couple of people commented that they needed "more choices".

I rarely see eye to eye with HR. I'm not that surprised that the 403B slipped in popularity - I don't remember when I took the survey, but if your scared spitless about opening the envelope because you figured you lost a bundle, and you're frightened the match would disappear, you'd be inclined to think the 403B was less of a benefit.

However, I really don't know about the more choices. I get the feeling that if we had all the choice in the world it would hardly matter.

What I really see is a bunch of people signing up for 403B, saving money diligently, but with no knowledge, no advice, no training on what you can do on the website, no discussion of how to create and manage a portfolio, and no tips. I show my co workers a thing or two of what I learned, and they are amazed. All the choice in the world won't replace a spot of financial planning.