<prompt> Human: TL;DR: Would like to know common putfalls and warning signs on an employee owned stock based retirement system and if my unmatched 401k and my wifes 6matched 401k contributions will be enough for retirement. I recently seperated from the military after 6 years. I joined up when I was fairly young and never participated in the Thrift Savings Plan that they offer, so now that Im out I want to get your opinion of what I should do to save for retirement, along with your opinions on the type of retirement savings plans that my new employer offers. Luckily I was taught a well paying trade in the military, and I landed a job with a decently sized over 500 employees up and coming HVAC company. So far I have been incredibly impressed with how well they treat their employees, along with the CEOs vision for the company, and I am an extremely cynical person. The company is employee-owned, and they participate in the game-sharing retirement savings system, which means that all employees are given stock in the company quarterly, how much of which is based on a percentage of your annual salary. Since they switched the company over to this program 6 years ago, stock prices have risen from I think like 3 dollars a share to where it is now at 33 dollars a share. After retirement, the company has to buy back all the shares you have accumulated throughout your time at the company over the course of the first five years of your retirement. The CEO has stated that while we cant expect to see such massive growth long term, he does expect to see around an average of 20 yearly growth over the course of the next 20 years or so. Because we recieve this stock for free, the company does not do any matching of 401k contributions although they do have it written into the plan they can institute a matching rate later if they have the financial means to do soSo my questions isare: Do any of you know of any pitfalls and warning signs to look out for with this system? It seems great to me. I still plan on contributing as much as I can afford to my 401k, and my wifes company matches up to 6 I think on her 401k contributions. Is this going to be enough to enjoy a retirement at say 60k or so a year give or take? Thats my goal for right now, hopefully that number will increase but that number will at least get us by, especially if we can pay off our house by then.  <response>: So my questions isare: Do any of you know of any pitfalls and warning signs to look out for with this system? It seems great to me.You listed a bunch of them1 you are taking incredible risk by not being diversified. You already work at this company, do you want to tie up all your savings in it too?2 Unreasonable growth expectations. 20 annual growth over the next 20 years is all but implausibleSo... this stock is given to you outside of the 401k system? Can you sell it? 