People are increasingly on their own when it comes to providing for their retirement. Traditional pensions are all but unheard of now, outside of the civil service or heavily unionized industries; both employers and the government have increasingly transferred more and more responsibility (and risk) to the individual worker. When it comes to employer-sponsored plans like 401(k)s, it is vital for workers, savers and investors (and you should see yourself as all three) to make the most they can out of the plans.
