Although I couldn't start contributing to a 401(k) plan the moment I started earning a steady paycheck (thanks, student loans), I began saving for retirement in one of these plans in my 20s. Since it was a plan my employer offered, I figured it made sense to sign up and have contributions deducted from my paychecks automatically.

But in hindsight, I actually regret saving in that plan and think an IRA would've been a better choice for me at the time. Here's what I wish someone would've warned me about 401(k)s when I first got access to one.

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Source Fool.com