(Image credit: Getty Images)

We are already halfway done with the 2020s and on the road to 2030. Yet some aspects of our country's robust 401(k) system are stuck in the 20 th century.

In the last century, it was much more common to spend your entire working life at a single employer and retire with a secure pension.

However, today's American workforce is more mobile than ever. According to the U.S. Bureau of Labor Statistics , the average American worker will hold about 12 jobs during their career, with most of their job changes occurring before the age of 40.

From just $107.88 $24.99 for Kiplinger Personal Finance

Become a smarter, better informed investor.…