Hey all. This is not my best subject by far so please, bare with me. This past Feburary, I started a 401k. I started putting in $100 out of every check into it. My employer no longer matches any of my contributions. That was cut ~3 years ago. I got my quarterly statement in the mail today and currently have $1200 saved up. I get the basic idea of what I'm doing, but I'm wondering if the 401k is worth it since my employer isn't contributing anything. I'm attempting to do the math in my head, but without being able to see the future, the number's I'm coming up with aren't even remotely close to enough to live on. Granted that when I fully retire, I will draw a pension, and my goal of the 401k was only to supplement having to work quite as many years and be able to retire a little earlier. However, since who knows what will happen down the road, I'm doing what I can now to ensure that I will have enough of a safety net built up should some unforeseen cut take place where they no longer offer a pension or some such. Slim chance I know, but I don't want to work forever. Or, wake up one day in my mid 40s and say, "Oh S***..." So, I'm trying to build up my 401k to where I could live on just it. So, I guess my question is, am I on the right track or are there some other avenues I should explore to get to where I want to be? Thanks everyone.