That advice seems like a red flag. There are way more options to diversify investments in an IRA than a 401k, you can also invest in the same funds through an IRA that are available to your 401k. Either way you end up paying fees to someone as well.
Yep. I just always put money in my 401k, I don’t know what a paycheck without 15% going to retirement looks like. I’ve still got at least 30 years to go.
Get a cheap disposable one. If you really don’t use it often the cost of an unused reusable thing is greater than buying disposable.
Three felonies a day is 15 years old and only more true than ever.