

Maybe depends on health goals and which product? If your primary goal is lowering high cholesterol, choose a soft, trans-fat-free plant sterol tub spread or swap to liquid oils like extra virgin olive oil. If your goal is avoiding highly processed foods and you have normal cholesterol levels, modest amounts of grass-fed butter are highly preferred over generic butter and margarine.


Pensions are invested in the market too, and sometimes badly managed and can fail or reduce benefits, and 401ks work fine, historically anyway with some knowledge, can’t know the future, but the wealthy like when it goes up too. Follow the early retirement formula 4% guide, index funds, don’t try market timing, when market is down and it’s payday the new shares are on sale, as retirement approaches adjust allocation if desired, or stay all VTI or VUG from early 20’s to retirement. I didn’t come up with this, got from Mr. Money Mustache, and he got from Boggleheads or whatever. This blog is good too https://livingafi.com/2014/01/21/how-to-live-in-corporate-prison/ Good luck!