Didn't use the company match for the first 2 yrs because you needed to have 6% going on they're and we was just coming off the Bush diaster where everything crashed so hella ppl was losing money in their 401k. Had it a portion matched for a few yrs didn't get it the fully match until 2015 and my money was in a money market until Feb of this yr because my wife found out I wasn't investing my funds correctly in there. To be honest i forgot i even had it in a money market acct which i only did at the time because I needed to protect my money coming off the crash.What wealth management firm do you all use? The fees are high and the funds are limited which is why I said the company match is the key. IRAs are better (although allow smaller contribution amounts)
My 401k got me outta debt twice so i can't really complain. Was able to purchase a house last year with an excellent rate because i didn't have any debt but a leased vehicle that was almost time to give back