Retiree medical expenses are the big wild card. Most people will probably spend a lot more on medical expenses when they retire.

We don't really know exactly how many people will be affected.

It's really wild. People will be shooting off balloons, someone will try to knock a cigarette out of someone's mouth with a whip, and there are sock puppets. And it really brings back hysterical memories for anyone from the '60s era. And kids will think its funny because of all the antics and goofiness on stage.

There's a lot of room for individuals to leverage investments in their plans to get the most out of their account.

Perhaps participants are growing accustomed to market fluctuations or they are simply waiting until the volatility subsides.

Our findings show that too many workers are not looking at their 401(k) savings as long-term in nature, but are instead using termination of employment as an opportunity to spend this money,