I think you are wrong, because of saving on taxes, and company match, and the fact that many people won't save otherwise, 401ks often make sense. Just chose sen

I think you are wrong, because of saving on taxes, and company match, and the fact that many people won't save otherwise, 401ks often make sense. Just chose sensible investments that don't have high fees. I know that's actually nontrivial, but otherwise many people don't have savings.