Change Your Attitude on 401(k)s

If you agree that things need to change -- especially with your crucial 401(k) retirement plan -- then here is a good place to start: Change your attitude!

First of all, be thankful that you're able to contribute to a 401(k). That fact in itself puts you one up on the millions of Americans who aren't getting paychecks from which deductions can be taken.

But regarding those negative returns in your 401(k) investment: What about taking the attitude that those diminished portfolio values aren't failures? Try taking the attitude that they represent bargains on mutual funds that will possibly be worth a lot more per share on that glorious day down the line when you become a lady or gentleman of leisure. ...