No. of Recommendations: 6
Answer, I think you missed my main point. Pension plans are useless if you are not at the company long enough to qualify for it. In these times, most employees are NOT in one place long enough to get the pension, so the 401(k) can follow them, and grow, whereever they go.

And yes, I do believe that you are responsible for your own financial well-being, not your employer. Your employer gives you the opportunity to do it, but it is up to the employee to take advantage of it.

I don't believe I said I was any kind of financial expert. But I am smart enough, and motivated enough, to get help when I need it.
I'm pretty sure that is the purpose of this forum.
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