Sock as much as you can in a 401k or IRA. Make other good investments. For some folks an annuity is a good vehicle to put money in. Best kept secret to take advantage of time value of money. If you sock away a nice chunk of change and stick it in an indexed annuity you can protect principal and receive a nice monthly amount at retirement to supplement Social Security. Many pay big bonuses for sticking $100000 or more in them.
