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Wow, I'm riled up today, and this is only on 1/2 a cup of coffee.

I'm assuming that you're young as well(could be a bad assumption I suppose). Grab a spreadsheet program, take your current maximu contribution, NO MATCHING, and about a 10% or even 9% ROR. Run that out until you're 67 1/2 or whatever your full retirement age is with contributions continuing at their current rate(this assumes you never get a raise).

Voila! a 401k safety net. Just imagine how easy it is to get 9% when you're not paying taxes, and you're getting that match from the employer.

Also, consider that since most people don't stay at jobs longer than 5 years these days. Chances are you'll have an opportunity to move that money into a self-directed IRA some day - and using Foolish methods, make that 9% look like chump change.
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