When we were kids, the world was full of warnings that sounded half ridiculous, half terrifying. “If you pick that wart, it’ll spread all over your hand.” “Don’t pee in the pool, you’ll turn the water blue and everyone will know.” “Crack your knuckles and you’ll get arthritis.” “Eat your vegetables or you’ll never grow.” As adults, we learned something important about these warnings: even when the literal message wasn’t entirely true, the lesson behind it usually was. Picking wounds can cause infection. Pool hygiene matters. Neglecting your diet has consequences. Childhood myths were a primitive form of risk management, imperfect, exaggerated, but rooted in the idea that small acts, done carelessly, can lead to bigger problems. And in many ways, nothing has changed. Only now, the myths come dressed in business casual and sit in the conference rooms of small 401(k) plan sponsors.
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