Retirement saving should begin early with 401(k)

Ignorance isn?t bliss ? in fact, it can ruin retirement.

Many people either too aggressively or conservatively invest with their 401(k)s, Kirk Kinder, a member of the National Association of Personal Financial Advisors, told The Examiner. A 401(k) is defined as a plan that allows employees to invest pre-tax dollars into stocks, bonds or money markets, and is usually matched by employers. So if Marylanders have dreams of living out their days on a beach with a drink in hand, or traveling cross- country in an R.V., tomorrow starts today for 401(k) investing.