Thank you! Yep, that all sounds too familiar. Everybody's been saying with twins it will be extremely tough but well worth it :) I'm kind of glad we're having t

Thank you! Yep, that all sounds too familiar. Everybody's been saying with twins it will be extremely tough but well worth it :) I'm kind of glad we're having twins right off the bat since there's nothing we can compare to. Being somewhat new to the whole 401k thing (I came from another country and only had a 'real' job for the last 2 yrs) I believe I'm your target customer. Now, 2 years later I like to think I kinda figured it out. Few observations I've had so far that may help you: - my preconception is that if the employer doesn't match, there's no use to put anything in it - I'm sure I'm wrong but would be nice to have a way to (visualize?) what my gains could be anyway and prove me wrong - by default, the service provider usually invests in the employers stock (right?), I know it's possible to split it up in different funds but would be nice to get better recommendation on how to diversify the investment and be able to simply choose on a grade from 'higher return, but risky' to 'low risk but low returns'. I have had it that I had no idea where my 401k went and luckily the employers stock did pretty well during that period but would be nice still to have a better understanding/education on how to best split and allocate - probably not part of your core solution, but my wife found it very hard to transfer 401k between providers after leaving a job. I've heard from others as well as where they have 3 or 4 401k accounts with different providers because it can be hard and time consuming to consolidate.