I get it now, but maybe got it too late. Wish someone had taught me this stuff in High School, rather than the baloney I was taught. Had a job in the early days of 401K accounts that matched 100%. Wow - That I took advantage of. My wife made me do it. I thank her for that. The small Company I was with dropped the program after the Dot Com Crash. My money was with one of those Merril Lynch mutual fund things. I was looking at my statements and trying to figure out what the "" were they doing. Every time I though I had it figured out, they would come up with a new improved format. I had it!! My employer was not putting anything away for me anyway. My wife was stocking money away in a bank saving account. I had to learn how to invest. Best thing I ever did. I'm not well off, but having investing skills from trial and error, and lots of reading, I will be OK.