There's a reason 401(k) plans tend to be a well-liked retirement savings tool. With a 401(k), your contributions are taken as automatic payroll deductions. This means you don't have to lift a finger to get your savings funded once you sign up.But just because your employer offers a 401(k) plan doesn't mean you have to participate. Here are three great reasons not to use your company's 401(k). 1. You don't like your plan's investment choicesThe investments you choose for your retirement savings could help di ...