[shoover]

Then there is the SEP IRA, which is an IRA with large limits but only your employer can contribute. I’m very thankful for my Fidelity SEP IRA with access to every product a taxable brokerage account would offer (except margin).

That said, while I appreciate full control and low cost, it is a lot of rope and I do wish the system was simpler and less perilous for those who want to just dump money into something reliable and take it out when they retire. Any control at all is perilous given the track record of average investors vs the performance of the funds they go in and out of.