Apple's tanking stock doesn't just mean a lot of lost money for Apple employees and tech traders, but the rest of us, too. It is very likely that whatever you have in your your 401(k), the run-up of Apple shares over the last few years has been powering your gains. So, with stock down more than 10 percent because of yesterday's "record breaking" earnings report, a lot of retirement funds and financial cushions are taking a hit, too. And, as the bubble continues to deflate, which investors expect will happen, so too will your retirement savings.