I started and IRA when I could and added until my employer introduced a 401k plan and have been kicking in from the start. I stopped contributing to the IRA at that point. It started as a Money Market account paying fairly good interest. I should have rolled it into a Roth maybe but the math didn't look good. Now the interest is down to under 1%. My employer has been reducing their contribution into the retirement plan a little at a time and a couple of "market corrections" have taken a toll. I guess all we can hope for when we save is to minimize how much our savings devalue over time...after taxes and inflation. Yep...did it all wrong...should have worked for the government. 
Finally, it maybe time to reflect on how we got here.It seems SS may not have the moola, to pay out as aging baby boomers finally reach the golden yrs.. Nope, there maybe reduced benefits or none to some, in other words don't count on it so plan for the worse. Don't you just love it paying into a system that supposed to be protected and find that it may become bankrupt or less stable. -----Willy
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