Pardon me if my generation gap is showing, but Marshall McLuhan was right, "The medium is the message."  Investment News reports that some of the major investment banks, Citigroup, Goldman Sachs, Lehman Brothers, Bear Stearns, and UBS, have put firewalls in place to bar staffers from using Facebook. Citigroup leads the list with almost 8,500 employees in its Facebook network followed by Goldman Sachs with approximately 5,600 and Lehman Brothers with approximately 3,000. So if these employees are representative of the rest of the younger workforce, how should we get them the 401(k) message? How about text messaging.

If you’re generationally challenged and don’t know about Facebook, click here.