Planning for retirement? Trying to figure out how to save more? Make sure you haven't lost track of 401(k) money you already saved at a former employer. And if you have lost track, it's time to play detective and find it.

A Chicago Tribune report offers suggestions on just how to go about it. Problems can arise if companies have been taken over or have gone out of business, since the plan administrator will likely have changed—and you may not even know the name of the surviving company.

But that doesn't mean you shouldn't persevere.

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