试着答一下，请大师们指正

Every month your employer puts $ in your retirement account. This $ will not be yours until you work X years for your employer. After that, the $ won't be taken away from you when you leave your company - they say the $ is vested in your account. In another words, you have to work x years for your employer in order to actually get the portion your employer contributed to your retirement account. Otherwise, you will lose the portion from your employer if you didn't work x years for that employer. This is what they call not vested, meaning the $ may get taken away from you.

Hope this helps.  

你要搞清楚现在开户或投钱到traditional IRA是不是算2010年的税。忘记投钱什么时候截止了。另外traditional IRA是有收入上线limit的，你要看你们是不是超了规定的年收入标准。