401jk. The Retirement Plan they don’t want you to know about!

Most people spend their lives saving into something called a 401(k).

All for what?

A paper promise that inflation won’t eat your savings alive before you get to enjoy them, assuming you’re not already half-robot by 2057 and drinking liquid meals in a $12,000-a-month care pod.

Let’s be honest: the joke is on us.

So we flipped the joke around.

Introducing: 401jk

A parody meme coin with a serious point:

Your savings are getting rugged already… just more slowly.

Let’s Break Down the “Traditional” System

You max your 401(k) or pension. You take the employer match. You buy those “balanced” funds, 60% stocks, 40% bonds. You chase 6–7% annual returns, before fees.

But here’s what actually happens:

– Your fund charges 0.9% quietly in the background.

– Inflation does 3% damage per year (if you believe the official numbers… it’s more like 6%).

– Your government raises the retirement age, again.

– Then they tax you on the way out.

And after all that?

You might just break even in real terms over 30–40 years. Congratulations. Here’s your gold watch and you’ve got JUST enough assets to not qualify for benefits or welfare.

401jk isn’t here to offer you a pension.

It’s here to mock the whole damn thing.

Real Talk From a Finance Nerd

I’m 41. I’ve built Financial Statements and spreadsheets that would make a CFA weep.

And I still ask myself weekly:

“Will I ever actually retire?”

The traditional finance system isn’t broken

It was designed this way.

Slow. Fee-heavy. Unquestioned.

Crypto?

It’s volatile.

It’s unpredictable.

And sometimes, it’s exponential.

And yes, 401jk is a joke, but so is saving for 40 years in a currency that loses 15% of its value every 5.

At least this joke has a punchline you control.

401jk.

Join the rebellion: https://401jk.fun/

Coingecko: https://www.coingecko.com/en/coins/401jk

X: https://x.com/401_JK

ca: Cz7LGKdZPpAxonXx23ZYPW3RtDQvjcf17ZDCZEzFpump

DYOR. This isn’t financial advice. But neither is your pension fund’s default setting.

If all that wasn’t enough… Did you know the average age you will die if retiring at 50? It’s 86… and how about if you retire at 65? It’s 67. There is a direct reverse correlation with age of retirement and age of death.

There is a saying I heard recently…. Everybody has 1000 problems until they have poor health, then they only have 1. We aren’t here just to add 0’s to your retirement fund. We want to add decades to your life as well!

Inflation is the real rug

401jk is early, real, and backed by a team that isn’t selling.

Fiat is the joke.

401jk is the punchline.