Share your insights or perspective on the financial matter presented in the input.

Should I participate in a 401k if there is no company match?
Another consideration that is not in the hard numbers.  Many people, myself included, find it hard to have the discipline to save for something that is so far off. The 401K plan at work has the benefit of pulling the money out before you see it, so you learn to live on what is left more easily. Also, depending on the type of 401K it attaches penalties to using the money early disincentive you to pull it out for minor emergencies.