How long's it been since you actually looked at your retirement plan statements?  It might be scary, but there's a reason you need to know what's there:

Ever heard the story of the frog that was tricked into climbing into a pot of nice, cool water by a hungry foe?  Unbeknown to the comfortable frog, the pot was on the stove.  Slowly but surely the perpetrator of the surprise increased the heat, allowing the water to become warmer and warmer without ever calling attention to his real motive - to cook the frog!  As the story goes, by the time the frog realized he was in "hot water," he was too exhausted to jump out of the pot.  He was "cooked."

Mistaking financial
journalists for
Financial Advisors

Who are your financial advisors?  A stream of media "experts" from TV, newspapers, or the Web?  Consider how many majored in journalism or communications - not finance or economics.  Often, they simply repeat an opinion heard elsewhere.