? On 401k

[PoindexterOglethorpe]

21. Excellent advice here.

Absolutely fund at least up to the employee match.

Defined benefit pensions can go away more quickly than people realize. Too many companies fail to fund them properly, or go bankrupt and away goes the pension. My small pension from a job I had in the 1970s is less than one third of what it ought to be. Luckily, I never expected that pension to amount to much, so it doesn't matter for me. But those who worked there 30 or more years and expected that to be the lion's share of their retirement, are now living in near poverty.

So go for it. You won't regret it.