Currently, I am contributing 12% of my gross salary to my 401(k). In thinking about my finances for the upcoming year, I’d like to reduce that to 6% or 8%. There is a strain on the amount of available cash at any moment. Unfortuantely, I am a designated person in my company, according to government regulations. I have access to “insider information” that prevents changing investments except for during certain times of the year. I’ll have to wait until the next time changes are allowed to be made, and I’m not sure when that is.
Published or updated January 25, 2005. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @flexo on Twitter and visit our Facebook page for more updates.







Luke Landes founded Consumerism Commentary in 2003 and has been building online communities since 1990. Luke, also known as Flexo, has contributed to PC World Magazine, US News, Forbes, and other publications. 



