It's really hard for me to know because we have always been self-employed, we have never had a 401K. I know several who did have up until 2008-09 and it either just went away because of how their company invested their money or they had to get into it to save themselves. I am not sure that people who are financially secure really understand how the average American has been affected by the economic downturn. Some of the advice I hear is, well..., just ridiculous. Hope your 401K is working for you.