SAN ANTONIO, Texas – They say the biggest threats come from within.

And it looks like that could be the case for 401(k)s as well, as health savings accounts continue their cannibalization of their older siblings and long-favored retirement vehicles.

In short, with employee paychecks not getting (much) bigger, and the expenses chipping away at them growing, employees are not only rethinking how much they save, but where they save it.

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