system
A chat on subreddit /r/wallstreetbets
human
When you first start investing it is pretty confusing.  Understanding 401ks, IRAs, buying stocks, trading fees, all the different trading platforms, and taxes can be pretty daunting.  Especially when its not really taught in school.  I can totally understand how people would forget to invest inside the IRA.

gpt
They don't teach anything about money or how it works in school. That's why everybody just gets in debt going to college, gets a decent job maybe if they're lucky, then gets a 30 year mortgage, new car, and then wonder why they don't have shit. Standard procedure yet it's defined as being successful. That's an awful lot of broke successful people.