A quarter of women say they are financially worse off a year into pandemic, poll shows

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3. The issue with the stock market scenario

is not only the volatility but also the capital gains tax - something that Democrats have been trying to raise. I did see this however - https://www.cnbc.com/2021/04/26/75-percent-of-stock-owners-wont-pay-bidens-likely-capital-gains-tax-hike.html which would mean making sure it would be something 401(k)ish.