RJ and Makay

First the good news: Because people have saved some money and the stock market has been rising, 401(k) balances have risen to a 10-year high, reports Fidelity Investments.

In an analysis of about 11 million 401(k) accounts, Fidelity determined that the average balance as of the end of December was $71,500 compared with $59,100 a decade earlier. Among account holders who saved continuously for the past ten years, the average account balance was $183,100.