I'm taking a bath this year. I always told myself if we had another major downturn I'd dump more in with the theory it'll eventually go back up. My employer matches 50% up to 4% of my pay. I've dumped 5-6% over the last 5 years into it every paycheck. When it started going south I upped my contribution to 10% and then 15% a few months ago. But damn it's getting hard to stomach. I've watch my contribution dump about 5k in the last 3 months and it's down 3k over where I started last year! I know I haven't lost anything yet but it really feels like your wasting your money. 

Are you guys still staying in your retirement plans or did you switch out. A few of my buddies switched to a safe plan that they say doesn't grow but it doesn't loose as much as the target date funds. I'm still 25 years out from ever using this money but damn I could use that extra 2k a month I'm dumping into my Roth 401k.

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