<prompt> Human: I found out my co-worker has opted out of participating in our company 401k plan. Our company does a 100 match for the first 3, and then a 50 match for the next 3 of your contribution. I personally feel its a no-brainer but he sent me this link as to why he doesnt participate.13 Reasons Why Your 401k Is Your Riskiest InvestmentObviously there is risk in any investment but is it really as bad as this article makes it seem? Ill share my thoughts in a comment but I wanted rpersonalfinance to weigh in.  <response>: So much wrong and flawed information in there its ridiculous.Based on reading that, we should all be putting our money directly into a mattress. 