Man, I'd say that if you know that you won't reach retirement then stop putting money towards retirement. If it's like 80% I personally would take my chances and live now and let SSI or SSD take care of me, albeit at a pretty low income, essentially poverty.
If it's more likely than not you'll reach retirement then I'd invest, but I wouldn't invest too much.
I mean, unless you really want to give someone a windfall after you die and they collect your nest egg and promptly blow it on hookers and coke.
That's kind of what I'm thinking, and I recently reduced what I was putting in as I needed to pay some medical bills. I suppose I could consider it as a savings account (with a higher return than the bank) and withdraw it at some point using the hardship rule once I am unable to work.
I don't have children, so I don't need to leave anyone a windfall. I don't think my nieces and nephews would blow it on hookers and coke, but I guess you really never know.
