401(k)'s are they worth it?

In a single word, Yes. For a number of reasons and it's Biblical. Proverbs says "A wise man saves for the future but a foolish man spends whatever he gets."

First of all you have to have a plan for your retirement. Most employers today offer retirement plans to their workers. Any amount you put into your employer's qualified retirement plan goes in before taxes are taken out of your pay. This means more earring power. And guess what? All your earnings grow tax deferred.

In addition to tax free and tax deferment is many employers match at least a portion of your 401(k) contribution. If yours does, take full advantage of this. Its FREE MONEY!

I invest the in my employer sponsored retirement plan and I take full advantage of their matching contribution. My additional retirement dollars are invested in a ROTH IRA. More about that another time.

To find out more about 401(k)'s check out this web site www.401khelpcenter.com