 Ahead of the opening bell on Wall Street, stock futures are split but stable after earlier losses driven by computer system outages that disrupted travel, trading, and banking services worldwide. Stop for a moment and think about this. Do you know how much money in your 401k or IRA is actually yours? Or will the government take a bigger chunk than you thought? Remember, you still might owe taxes on that money. But do you have a plan to help make sure you don't pay more than you should?