Redeye,

True dat. Even with a "traditional" retirement I'd still run an IRA and a brokerage account to store money away in besides a 401k - the one thing you can be pretty sure of is your retirement will pay less than you thought. And the 401k is much more labor intensive to get the maximum return.

My comment about the 401k was more to that if the company goes under, the money is yours and won't get taken away.