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Tony, of those who do have a 401(k) plan at work, only 75% are contributing. so if youre not already investing, you have to ask yourself whats holding you back. youre missing out on free money. so if youre already making contributions, keep investing. even if your employer isnt one of those who recently reinstated their match, youll still want to keep putting money away for retirement. in fact in that case youd want to set even more money aside. get diversified. keep in mind 401(k) investing doe...