I do agree with the 401K portion, if it weren’t for the match I would not invest there either as I feel I have very little control as to where the money is invested. I think congress should take another look at this as I hear some companies are doing away with the match, and then it’s like you are a hostage,damned if you pull it out and damned if you have no control over it. There should be a penalty to the employer, that benefits the employee, if they get rid of the matching funds.