This is where the water is coming in from - this is the door frame between my bathroom and bedroom.
These are the buckets that are down. Look at the clear bucket at the top and you can see that the water isn't clear - so gross:
The key to a successful 401k plan is that you do not withdraw the funds until you need them, preferably when you retire. If you decide to withdraw the money, you will incur a penalty fee for doing so, AND you will have to pay the taxes on the money was well. This is not a wise choice. The IRS have made a few concessions to let people withdraw the funds penalty-free (but you will still have to pay the taxes) for things such as buying a home, if you or a family member get sick with something like cancer, etc.
retirement, that this is something you think about when you in your 40s or 50s. But this is exactly the time to be saving for your future. There is something called compound interest, called "the greatest force in the universe" by Albert Einstein, means that you are earning interest on the interest from the money you have in there now. I won't bore you with boring calculations, but basically it boils down to the fact that if you invest just a little in your 20s for your retirement, you will have a lot more money at retirement time than someone who invests substantially more but waits until their 40s to start For more information on this, read this. 


. In addition to the desserts I made him, I also got the boyfriend an early Valentine's Day gift of slippers for him to wear around the house when he's at my place (our wooden floors are old and falling apart a bit, plus the floors not always the cleanest).