Yes :

Don't go crazy with investments, when unsure used solid fixed income ie money market/t-bills/CDs etc, rather than something you don't understand.
Although the choices are sometimes very limited with the employer 401Ks.

BUT
Don't short change yourself either. Make sure u have enough cash to enjoy life, buying a house, for emergencys, whatever.
God forbid you don't make it to retirement.

Remember for most things you can't with draw from an IRA, once you leave an employer you normally roll the old 401K to the new employer or to an IRA. You can borrow from a 401K (sometimes) but the rules are tough, but not from an IRA.

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KLK, MCSE

1990 500SL

I was always taught to respect my elders.
I don't have to respect too many people anymore.