My current retirement plan is called Work Until I Die. I hear it's pretty common these days, although not very popular.
I had a 401K when I worked in corporate America, and it was doing pretty well before the crash. I managed to pull my money out, and dump it all into an IRA, before any of the principle I paid in was lost, but I did lose every penny it had earned.
What remained of that money went to paying for cancer surgery with no insurance. It's a good thing I had that money to draw on, or I would have lost my house.
So now, I have very little put by to retire on. I'm going to be working until I can't, and then, I'm not sure what will happen. It's not something I can worry about now, because I'm in my 50s, and it's sort of too late to rebuild what's been lost.