I've upped my 401k contributions by 2% in the last 4 months, and I'm thinking about upping it more. I'm not planning on accessing my 401k for 30 - 40 years, so I assume whatevery I buy now in a depressed time will regain its standing and earn me a lot of money over the next 4 decades. The market is low, and though we may not have hit rock bottom yet, many stocks are artificially depressed right now and I feel that it's a great time to buy in. If for some ungodly reason the market doesn't recover in 40 years, then I feel like I wouldn't need the money I'm dumping into my 401k anyway, as civilization as we know it will have collapsed.