I have never had a 401K plan because I never worked at a company that offered one. I must admit that I am just a little jealous of anyone with a 401K, especially one that offers a generous match.
Instead, I invest in a traditional IRA and a Roth IRA. This works well for me.
So, what about you? Do you have a 401K plan at your work? Do you participate? Do you like it?
If you don't have one, are you offered another type of plan or do you invest in an IRA or Roth IRA?