[WSSix]

So Greg, what do you think a person should do if they have a great company match 401k but the mutual fund that it's invested in is crap and they are locked into just those funds? I know this is a little beyond 102 but I'm curious as to your opinion.

My opinion, and what I may end up doing since I'm somewhat in that boat with my 401k, is to set aside whatever you have to in order to get the max company match as that's free money but not go over that amount. Take the rest that you would have invested or want to invest for retirement and put it else where like a Roth IRA or open a brokerage account.