i just read your article on 401-k...very good. my question is my 401-k only made 6% last year. i switch jobs every two or three years and their is a 1 year waiting period before i can start putting money back in. i was thinking of rolling over the 401-k into an ira in which i could buy and sell stocks on my own. what do you think? i really need help on this so i would appreciate a response. iam 52