How do you impact the Financial Returns on your investments?

If you are a anything like I was early on in my career, it was my understanding that contributing to my 401K on a consistent basis was going to be my ticket to a financially stable retirement. However, once I read Tony Robbins book <a href="https://www.amazon.com/MONEY-Master-Game-Financial-Freedom/dp/1476757860" rel="noopener ugc nofollow" target="_blank">“Money, Master the Game”</a> it became apparent that although 401K’s can provide a nice way to save for retirement, we don’t achieve the returns that we should because of all the management fees that it requires for these large firms to manage the money and this can cost us huge $$$ based on the compounding interest formula. If we end up averaging 6% returns instead of 8% because 2% is being skimmed off the top to pay for management fees, this can result in large sums of money over a 30–40 year investing time frame.  <a href="https://canuckinvestments.medium.com/how-do-you-impact-the-financial-returns-on-your-investments-89e8fa047329">Click Here</a>