My 401K is keeping pace with the Dow breaking 14,000 today. I am currently contributing 12% of my income to my 401K and it has double in value since last year. My goal is to break $30,000 by the time I'm 3o. I still have over 2 years. I will be increasing my contribution to 15% starting in August when I get a 3% raise. I'll just put the whole raise into the 401K and never miss it. Do you invest in a 401K? My company only matches 4%, but hey I'm not going to argue with free money.