Ok, don't do what I just did.
Don't just out of curiousity log in to your 401(k) account to see how hard a hit you've taken with the recent crappy stock market.
Because it will depress you. Because all of those thousands that you and your employer have contributed this year, but yet do not appear in the current balance, could have been put into a 'real' savings account where perhaps you could access them to buy things like diapers.
And it will scare you. You will shake and tremble with fear that the bailout won't be enough. That things will never rebound. And you'll lose it all. And you'll have to live with your as yet unborn children because you will have nothing.