A yearly checkup

Retirement does not need weekend research sessions. It needs a short annual check that confirms the basics still work.

Most people lose more by skipping the match or freezing contributions than by picking the imperfect fund.

Capture the match, raise the contribution one point if you can, glance at fees, then leave it alone.

Enough attention, not endless tinkering

Calendar one hour a year. Confirm login, match, contribution rate, and fees. Then stop.

WealthAdvo tracks this under Retirement preparedness so neglect shows up early.