Ok, dh and I have been giving alot of thought to our 401k accounts lately. Sometimes I feel as though they are a necessary part of life nowadays and other times I am seriously considering them a money sink where we could be doing more with the money keeping it in our own hands. It almost takes an act of congress to withdrawal money out of it, and that bothers me. What is the real risk involved with these? I remember my dad's getting nearly wiped out with black friday several years ago, and was wondering what they likely hood of that happening again is. We presently have about 35,000 in them and am curious if that amount of money invested through other avenues would be much more profitable, and accessible if needed. Any thoughts would be appreciated.