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Very challenging to know what the right move is on existing retirement accounts.

I admit I bought into the concept of IRAs and 401(K)s completely. On paper it all made perfect sense.

Now I honestly fear the accounts will be raided by the government through taxing what was supposed to grow tax-free or tax-deferred over time, or Wall Street will crash again after the Fed manipulated liquidity bubble we are currently seeing bursts (which is coming next) and wiping me out.

Still contemplating pulling the money, taking the tax and penalty hit, and getting out while the getting is still possible.

The last time I felt this misled was when I found out that Santa Claus wasn't real. Never been the same since....
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