As far as my wife, she's a nurse and doesn't understand 401k. I told her that she NEEDS to put money into it, but she doesn't believe her hospital even offers a 401k. She said they have some kind of nurse retirement fund, and she "thinks" she's in that, but that's all I know. And she won't give me better answers about that. Ok, on the phone with her. She said they have a 403b but she doesn't think her hospital does any matching. Oh, the 403b is handled by Wells Fargo. My own 401k is done by Paychex, however the broker is from a firm called Barron's.