Your 401(k) plan is (probably) cleverly designed to help you save for retirement in a virtually painless manner. Since clarity and security can be very dull, here are five simple steps you can take to restore the thrill of the uncertainty to your retirement future.

Road to Ruin, Milestone 1: Opt Out

No greater blow has been struck against your future unhappiness than automatic enrollment into your 401(k).  You cannot remain passive; to pave the road to ruin you would need to actively opt out of your plan. Or if some participation is mandatory, reduce your contribution to the bare minimum. But be careful; some plans automatically increase your contribution each year. Remain vigilant and reduce your contribution annually.

Road to Ruin, Milestone 2: Refuse Free Money

Sometimes undermining your future takes resolve. Your employer likely offers you free money, called a “matching contribution”, to encourage you to add more to your savings. Typically, the more you defer, the greater the match up to a maximum of 3, 4, even 5%. The lure of free money is powerful; the best approach may be to never find out how to maximize the match.

Road to Ruin, Milestone 3: Be Wildly Inappropriate

You don’t have to live by their rules. There are no guarantees in investing, but there are certain general guidelines meant to encourage success, such as taking on more risk when you are young and being more conservative as you near retirement. Ignoring them won’t ensure failure, of course, but they may add an exciting uncertainty to your retirement outcome.

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