I don't mean not putting in a 401k. The comment I was replying to was implying throwing $100k into a savings account is a good idea because you'll have a couple

I don't mean not putting in a 401k. The comment I was replying to was implying throwing $100k into a savings account is a good idea because you'll have a couple million when you're 63. I do not advocate throwing $100k into savings for retirement at 18. There's a difference between reasonable financial responsibility (401k, match pension contributions w/ employer, etc) and spending all your young years worrying about being prepared for retirement. Enjoy the life you have. Be financially responsible, but don't over-do it, is what I'm trying to say.