Another issue with 401ks is if you're like a lot of folks that have had the wonderful luck to work at smaller companies that don't have 401ks or hand out benefi

Another issue with 401ks is if you're like a lot of folks that have had the wonderful luck to work at smaller companies that don't have 401ks or hand out benefits of any sort. An individual IRA maxes out at $5,500/yr so if end up in an industry or at a job that doesn't offer a 401k, you can miss out on years of putting away that money in some sort of tax-deferred account.