Finding the Balance The sandwich generation faces unique challenges. For many, meeting needs is a matter of finding a balance. Related Content The Pre-Retirement Checklist This checklist can give you a quick snapshot of how prepared you are. Choices for Your 401(k) at a Former Employer Individuals have three basic choices with the 401(k) account they accrued at a previous employer. Social Security: Maximizing Benefits There are other ways to maximize Social Security benefits, in addition to waiting to claim them.