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33.1 trillion dollars that's how much americans have saved up for retirement as of september 2020. about six and a half trillion of that is held in 401k accounts representing nearly one-fifth of the u.s retirement market 401ks are an employer-sponsored retirement plan and it's part of what we call one part of the three-legged stool of the u.s retirement system the other two parts being social security and private savings since 1980 401k plans have quickly grown to become one of the most popular forms of retirement plans for u.s workers it's frequently recommended easy to apply for and easy to keep track of however a recent survey shows that nearly two-thirds of americans don't exactly understand how a 401k works it's kind of something that you learn about when you get your dental package and your medical you know like here's your medical here's your dental here's your 401k here's your cubicle be great and i think you know that doesn't let you know how serious this is especially now th...