And thats why im on a Constant Mission to teach you about every aspect of managing your money, so youll be able to become a better investor, both when it comes to retirement investing and playing around with what i call your discretionary mad money portfolio. Which is a big reason why i wrote get rich carefully to begin with. Most of you even, really, even if you dont own any individual stocks directly, you probably have some kind of exposure to the stock market, probably a 401 k plan where you keep the bulk of your retirement funds, which is why i want to take a moment to talk about retirement. For those of you who have been living in a cave for the last 40 years, 401 k plans are the main way americans save. Theyre offered by your employer, and among some of the great vehicles out there. For those of you who are about to fall asleep or change the channel, because the whole idea of saving for retirement puts you to sleep, hear me out. Because you need to know this stuff. And im going t