Just a heads up for those who might be thinking about a second or third or fourth marriage. Whoever you are married to at the time of your death gets your 401k regardless of who you have listed as beneficiaries or what your will or trust says. A new spouse can waive this but only after the date of marriage. Can’t be a prenup.
With so much of our retirement tied into the 401k this might surprise your kids or other family members when your 22 year old Ukrainian bride gets it all after you die on the honeymoon.