you thought the hardest part about saving for retirement was figuring out the best place to invest your money? here's another head-scratcher: what to do with your 401(k) when you leave your job.

after working a full day at the stables of her horse transport and training business, melissa weiser heads to bj's restaurant and brewhouse. but the 40-year-old from los angeles isn't grabbing a drink with friends. she works evenings as a waitress to make up for the dip in her business and to get health insurance.