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If you're worried about taking a bite out of your paycheck , remember that you 'll see more money appear in your 401 ( k ) savings than you 'll lose on payday . Either way , talk to your pension administrator at work ; max out your 401 ( k ) contributions , as well as your IRAs ; and consider the vesting factor before you change jobs . did n't pay my tuition , Clarence did n't pinch my sister , Colin did n't shoot my friend , homeboy did n't steal my 401 ( k ) . Remember that the ill-fated energy trading company invoked a blackout period for its 401 ( k ) plan in October and November of 2001 , just as the company 's accounting problems were starting to emerge . We also have an employee stock ownership plan ( ESOP ) and offer Monsanto stock as an investment option in our 401 ( k ) plan . The company , a defense contracting subsidiary of publicly held United Defense Industries , delivered notice of the plan 's lockdown to all its 401 ( k ) beneficiaries two months in advance - a month earlier than required under the blackout provisions of the Sarbanes-Oxley Act. Giving people that extra lead time was a challenge , notes Vinck . I started my 401 ( k ) in early 2000 and I've done really well because I've been diversified . Once my final paycheck from my old job is processed , I will have to roll over my 401 ( k ) account into my IRA , for example . If you're an investing newbie considering foreign or domestic stocks - - or perhaps reconsidering the way your 401 ( k ) and / or IRA portfolio is currently allocated - - consider giving GreenLight a go . If you're a seasoned old hand , and you have that three-year anniversary calculator to show for it , open enrollment is a good time to review your 401 ( k ) strategy . That 's why Vinck 's so anxious for her company to meet its deadline and lift its 401 ( k ) blackout period . " Spitzer 's StandThanks to Eliot Spitzer , it may be time to take a fresh look at your 401 ( k ) plan provider . After his 401 ( k ) took a 40 % hit , he liquidated it against the advice of his accountant , who warned that he would pay taxes on that money . What will this policy do for the employees in our 401 ( k ) program ?