[pennywise]

I need to add: A 401K is supported and paid for by the individual. A customary 3% addition by the employer is what should be provided across the board. NO CEO or President is worth their retirement being paid for by their customers any more than the 3% the others get (recent example: EXXON). The government needs to make the employer match 100% vested from day one. As the employer views the employees 401 as a bank and fires the employee before the 100% vesting to take back the money. Oh, yes, they do. They have so many tricks up their sleeves. That is what happened to my spouse. His employer bought a machine he could not afford, fired my spouse, took the 401K money, hired a cheaper person (who failed and screwed up), called my spouse to come and teach the cheaper employee to fix the expensive mistake. Oh, am I resentful of the stealing!