I had my 401k turned off earlier in the year because I was following Dave Ramsey advice of getting out of debt. But luckily after carefully watching the market and realizing that I was loosing out of my employers match contributions, I turned my 401k back on mid summer. Now I am glad that I did because market jumped back up and to the Dow did hit 10000 again..well at least for a little while and I did see profit of 35% of my investments. But if the market does go again I figure I still a long time before I will ever need it.