Most 401(k)s are mismanaged—target-date traps, forgotten accounts, and missed matches. In this highlight from Farm Truck Financial, Eric Kearney and Joseph Lanza show how to turn a neglected 401(k) into a real retirement plan.Schedule a farm-fresh second opinion at https://farmtruckfinancial.com/Download free brochures on a variety of financial planning topics at https://myincomeplan.com/Your 401(k) is likely your biggest retirement asset,so why is it on autopilot? In this conversation, Eric and Joseph break down the shift from pensions to self-managed 401(k)s, the dangers of set-and-forget target-date funds, and why investing first (and spending what’s left) is the wealth-builder’s rule. They cover rollover do’s and don’ts, how to claim your employer match, Roth 401(k) opportunities, and the hidden risks of sitting in “stable value” or bond-heavy allocations near retirement. You’ll also hear the “one sentence changed my life” story that turned a lunch-break nudge into a seven-figure balance—and a practical checklist you can use this month to get back in control.What you’ll learn:• Why so many savers default into sub-par target-date funds• How to avoid the 29M “forgotten accounts” problem and consolidate rollovers• The difference between contributions vs. true investment returns• Why “invest first, spend the rest” wins—especially in your peak earning years• How to make 401(k) contributions a non-negotiable part of your budget• Smart steps before and after retirement: Roth 401(k), rollovers, rebalancing, risk