dumps: an informal expression for a mildly depressed state
depression: a mental state characterized by a pessimistic sense of inadequacy and a despondent lack of activity
401-k plan: a retirement savings plan that is funded by employee contributions and (often) matching contributions from the employer; contributions are made from your salary before taxes and the funds grow tax-free until they are withdrawn, at which point they can be converted into an IRA; funds can be transferred if you change employers and you can (to some extent) manage the investments yourself