Open enrollment is getting ready to happen at most companies. That means the time is here to increase the amount you’re contributing, change the funds you’re contributing to, or to start a 401k if you’ve never had one. Starting next year, employers are going to be able to automatically enroll you in a 401k plan. It’s called “Safe Harbor,” and it means companies will be able to put you in stock choices and diversify your money. This fall, however, it’s still up to you and me. So, if you’re not participating in your plan at work, get in it. It’s especially important if your company matches part or all of what you put in the plan. That is a complete no-brainer. So, get it done. If you don’t, you won’t be retiring. You’ll have to keep working pas retirement age. Also on the horizon is the Roth 401k. It’s a cousin of the 401k and the Roth IRA, and more employers will be offering it next year. If your employer offers a Roth 401k, you want one of these. Why? The money you put in is already taxed. So, when you retire, none of your money gets taxed. You’re saving about 25 percent more money, even though you’re putting in the same amount of pay. And that will have a huge affect over time.