In the context of blood sugar, carbohydrates is the sugar being discussed, not cane sugar, and bread in almost all forms is just pure simple carbs. Peanut butter is at least a bit more complex, but would still cause blood sugar problems. If you’re trying to avoid diabetes, daily peanut butter bread is probably a bad call.
Bread and peanut butter are both relatively large sources of sugar…
Every 401k I and my wife have had let us set which index, but would rebalance itself every year because they believe they know better. It’s really annoying, but if you’re familiar with the markets, I would say it’s very necessary. Especially since the default funds will often have fees associated to them.
I always see it as a chance to find a better position than what I’m currently in. When business people talk about networking, these conferences are where the initial contact happen.