According to a Charles Schwab 401(k) participation survey, 60% of people say their 401(k) is the largest or only source of retirement savings. Have you looked at your 401(k) lately? Should you contribute more? Saving 1% more each year can make a big difference in the long run. Percentages not your thing? 1% is $1 out of every $100.00 you earn. So, skip that coffee every so often and put that money into your 401(k)!