<<I had a 401k going earlier, but I ran into unemployment for a while, and wound up living on those savings. The next job I found didn't offer benefits of any kind, and neither did the one after that. I can't help but wonder if this is a spreading trend, or if THIS motley fool is missing the jackpot.>> You can do IRAs if you like.But I'm not especially convinced that the 401K is all that great a deal, since you don't get the advantage of cheap capital gains tax rates. I therefore consider regular taxable accounts nearly as good.The main thing is to keeping saving & investing. Seattle Pioneer
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