lol I don't have a 401k yet...I will in a few years when I have more money to do so with. I do, however, have a savings account with bank of america. I know you might be thinking a lot of people have those but the way I do mine is every $1k-1.5k I make a CD (certificate of deposit, i believe) which yields a higher interest rate, therefore making more money than if it was just sitting in a regular savings account. I started when I was 17 and I have $15k saved up...i'm 19 now. Ohh and thats with $35 a week into the savings.