We've always had them since they 1st were available and before that we had IRAs. We pretty much figured SS wouldn't be around for us or if it was.... it wouldn't even cover the basics. Now it's looking as if the 401k's aren't all that safe of an instrument particularly if they're ever taken over by Big Brother and I've been reading they've been eyeballing our money. Makes sense to me in the bigger scheme of all the money grabs going on. Does anyone have some 401k 101/retirement plans for dummies help to get me up to speed with options for managing them? With inflation and what looks like a grab of our accounts on the horizon.... it's kinda obvious we're going to want to take the money out as soon as we can without getting dinged but what's the point of contributing to them right now even with an employer kicking in if we could be using that money say.... paying down a mortgage?