Understanding your 401k may seem like a daunting task, and rightly so. These retirement websites and HR portals seem to speak a foreign language when it comes to retirement with terms like Asset Class, YTD, annualized and cumulative returns. Just researching the terms can take hours upon hours that many of us don’t have. So naturally, what do we do when we are inundated with a lot of information and options? We freeze or put off making a big decision which causes us to not act at all. Barry Schwartz calls this the paradox of choice, when too many choices lead to indecision because there are in fact too many choices!