[Pigalowda]

People put money in their 401k because it’s pretax and often has an employer match. So if you don’t, you’re basically refusing compensation that your employer is including in its pay/benefits package.

If no employer match then you are giving up just the tax benefit. If you don’t really care about that then whatever you alternatively invest in for retirement planning has to already make up for what, like 30% you save in going pretax?

Anyways, you do you.