People are committed when they know what they're committed to.

What this comes down to is you have to take the best you can in your plan. I suggest people talk to their companies and ask them to increase the options.

People do feel better about investing. But they are still very skeptical about the recovery and their expectations are way down.

It's unfortunate it's gotten to the point where the average fan can't hardly get an autograph because of all the people who are trying to take advantage of it. They're more than gracious to sign programs and things to help the charities, but they have to watch out for the pros who walk up with a backpack full of memorabilia they want them to sign. The big-name guys can spot them because they see them all the time.

Some of the biggest companies have some of the worst 401(k) plans I've ever seen. But Joe's Plumbing might have a great 401(k).

Begin with the end in mind.