I am trying to get my act together and get serious about retirement planning. I am in the 401K and it seems OK but it would be nice to have more investment options. Do most of you invest in our 401K? If so how much are you putting in and what investment options are you going for? I am really suprised that many of my co-workers dont participate in the 401K when you consider how much overtime is taxed. Its really sick when you work 15 hours of OT and your takehome pay is killed by taxes. It seems that the 401K is one way to beat Uncle Sam. Its wierd how many people think you will only lose money in the 401K when you can go safe with the fixed income or stable value funds or GOV money fund.