<prompt> Human: Everyone on this sub is adamant about max contributions to 401k. Ive been doing so since I had my first job and Im starting to see it add up to a nice sum. But is it really that safe since it is tied to market performance? If I get to the age of 64, and the market tanks and my 401k vaporizes...what is the fucking point in the first place? Should I find less risky alternatives for my retirement? Someone talk some sense into me...  <response>: A 401k is not an investment. But as far as investment vehicles it is safe from creditors if your employer goes belly up 