Although 401(k) plans are becoming more popular, not every worker has access to one. But if you do have a 401(k) offered at your place of work, you may be inclined to sign up. That way, you can seamlessly fund a retirement account and set yourself up for a financially secure future.

But just because you're able to save in a 401(k) plan doesn't mean that you should. Here are a few reasons to opt out of participating in your employer's 401(k).

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Source Fool.com