>>dr. deena, i don't want to see people lose any of this great money that they have earned over the past year or 2 here. what should they be doing? >>this is also a great time because at the end of the year we still have time to make contribution and have it count against our taxes. the other thing though is many times people lose money because they don't make the right moves at the right time. we sell when we should be buying and we buy when we should be selling. there are 2 newer things in the 401k world that helps people. one is target date funds. so opposed to having to make that decision or do what most people do which is look at the performance of last year and then select that fundthe target date fund allows you to say i'm going to retire in this year and chose a fund that will be allocated to the appropriate age or time frame. >>so basically if you are going to retire in the next 5 years this is the x amount of money you hope to retire with in your 401k. >>exactly. >>should you be paying