For working Americans with access to a 401(k) , there’s perhaps no easier way to save for retirement. You tell your employer how much money you want to contribute per year or per pay period, and that money gets deducted from your paychecks accordingly. Plus, if you’re lucky, you may not only have access to a 401(k) plan but also a workplace match. That’s free money you can invest alongside your own contributions. But a lot of 401(k) savers overlook a big financial risk that could become a