Nearly $28 billion sitting idle in forgotten retirement accounts—a massive blind spot in personal finance.

Here's the trap: when you switch jobs, employers often auto-roll smaller account balances (typically $1k to $7k) into so-called "safe harbor" IRAs. Problem is, the money lands in cash, just sitting there. No stocks. No growth mechanism.

Meanwhile, markets keep climbing. Your money doesn't.

It's passive wealth destruction. The account exists, but it's forgotten. The opportunity cost? Brutal.

This happens at scale—which is why that $28B figure matters. It's real money, real people, real losses. The fix? Staying aware. Actually managing those accounts instead of letting them ossify in cash.