My retirement will be dependent on my 401k, with my pension being a very small portion of my income. Everyone has the same opportunities as I have to build their 401k. Put in your 6% and get the 3.5% match and watch your money grow.
Do you have any sagely advise for the working populace (approximate 50 percent) that doesn't have access to a 401(k), much less a contributing 401(k)?