With pensions on the decline, most modern workers need to rely on their own savings to amass enough money for retirement. One of the most powerful tools available is a tax-advantaged retirement savings program designed to encourage employees to put money away for the future, known as a 401(k) plan.
Here's a stat for you: in 2011 the Social Security Administration stated that a 20-year-old has a 30% chance of being disabled and unable to work for six months or longer prior to reaching retirement age.
It's an interesting thought actually - not because the topic itself is all that fascinating. But simply because for something typically so far on the back burner it's almost off the stove, the chances of it happening to either you, your spouse, or your best friend is almost a statistical lock.