The financial collapse cut their savings in half and left Mr. Mastej out of work for two years, with no 401(k) contributions.

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To make this move, you have to work for a company that offers both a 401(k) defined contribution plan and a traditional defined benefit pension plan, and offers the option to roll assets from the former (the DC plan) to the latter (the DB pension).

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Remember, if you're moonlighting and have a 401(k) at work too, your employee contributions are counted together for that limit.

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Promising K-12 students will also be identified for participation in summer work and internships.

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But 52% of working women do not have access to a 401(k) or 403(b) plan, because they work part time or for other reasons, according to the National Center for Women and Retirement Research.

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And corporate expansion aside, there are still some pretty good work pick-me-uppers, including bonuses for employees worldwide and new enhancements to its 401(k) package this fiscal year.

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If you were offered a pension plan or 401(k) at work at any time in 2006, even if you didn't participate, your eligibility for an IRA deduction may be limited by your income.

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