The other thing to think about is flexibility in not being in an employer backed 401k. When I was in one the best average return was 4%. Independently I can get

The other thing to think about is flexibility in not being in an employer backed 401k. When I was in one the best average return was 4%. Independently I can get 15% through etfs that track the S&P. I can also get 30-50% playing in riskier tens like oil or commodities. While some argue against that, at least I now have the agency to decide.