Part of the benefit of a 401k is because of the tax benefits .
Plus you can make a contribution before any taxes are taken out.
While its under management you get a whole slew of benefits .
Top it off with most ppl just arent good with money and stashing it aside before you get a change to negotiate with yourself about how you need some useless thing is a good plan for most ppl.
Plus you can contribute as little as 1% so it doesnt have to really really cripple your day to day expenses and seperate savings.
I would def tell ppl to contribute as much as early as they can
I really havent a good excuse why someone shouldnt.
Edited by jonesable - Jul 01 2014 at 11:03am