I've been thinking a lot lately about my 401(k). Or, let's be honest, the lack of it.

See, years ago, as a not-so-fresh-faced kid out of college, I couldn't wait to start saving for retirement. I signed up for the max, my employer actually matched it, and life was good. I hadn't even gotten married the first time yet, so my responsibilities were still pretty minimal.

Of course, none of that could last. Just about three years later, I found myself divorced, remarried and suddenly living in Colorado with my oldest daughter on the way. Of course, another year-and-half later, the tech bubble began to burst and I caught a career roller coaster that sent me flying into five jobs in about as many years – with a trio of layoffs thrown in for good measure.