I for one am about 50 percent satisfied and 50 percent dissatisfied with my current retirement plans. I am self-employed, so I don't have a 401k or any matching contributions. However, I have my own business as a writer and do have a brokerage account as well as two IRA's, one of each type. I do not max out the contributions though, and I also need a bigger emergency fund saved. I prefer more often to buy stocks, which has panned out somewhat, but I am pretty far behind in saving still for retirement. So, in some ways, I'm doing fine, and in other ways, I need major improvement.