We already recognize that we won't work at a "job" for 40 years, receive a pension and a gold watch and live happily ever after, like some of our parents and grandparents. Yet what are we doing about it? We will have on average 7 careers during which we will be responsible for our own retirement savings. 401(k) plans are plans that were created to be portable, so they could move with us, from job to job, career to career. Yet, guess what? We do have to fund them!