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Since they were introduced in the 1970s, the reach of 401(k) plans as retirement savings accounts has risen sharply.  Up from just over 60% participation before major rule changes in 2006, it is estimated that nearly 90% of earners take advantage of these accounts to save for retirement, as of the late 00’s.  Nearly 50 million workers and their employers have contributed what stood at 3 trillion dollars at the beginning of 2008.  A year later, that last figure is considerably lower.