You really want to wreck your retirement? It's easy.All you have to do is put a hole in your 401(k).

They call it leakage. That's when you borrow or take a hardship withdrawal or, the worst, just cash the whole thing in when you change jobs.

The Government Accountability Office says that one in seven people are doing this.

We'll be poor when we're old, certainly, if we don't plug the leaks in our retirement buckets.

Next week, the Senate Special Committee on Aging will hold hearings on the 401(k) system. Is it adequate to fund retirement?