I don't know how many people have missed it but since I've retired I've been telling everybody to put just what the company will match into their 401K.If you can save extra start a savings account,Roth,or bury it in the backyard under the doghouse.A lot of guys at O.D. that are getting close to retirement have been maxing out their 401 every week.Well the market is taking a dump and everybody getting ready to retire has lost their azz, it'll go back up but no soon enough for those guys.So now they have to make a choice.Take the loss and retire or keep working.Don't get in a predicament like that.Spread your money out and keep it as secure as you can.The stock market is legalized gambling and no better...But that's just my opinion.