Since we're on an investment roll ... here's a handy tutorial -- narrated by moi -- of The Animation Guild's 401(k) Plan.
I'm in the midst of 401(k) enrollment meetings today. After the Cartoon Network meet ended, a couple of us fell into conversation about animators making a living in the biz.
I mentioned how most of the long-timers* at Disney (the Nine Old Men and others) didn't make huge salaries week-to-week, but made good salaries steadily over a looong span of time. This is really the secret. If you can manage to work most of each year, and live below your means, you should be able to sock money away for retirement.
And actually enjoy some sort of retirement, rather than being a greeter at the local Wal-Mart.
* Many long-timers received stock options. This made people rich, but others who didn't get those benefits ended up comfortably well off, too.