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My employer doesn't match contributions for my 401K either. But I use the 401K for two purposes, 1) To shelter my income from income taxes until I need it 40 years down the road and 2) It lowers my tax bracket for my income now. One thing to consider, would be to make sure you fund a Traditional or Roth IRA fully before maximizing your 401K contributions. This will allow you to have more control over your retirement choices than the few choices employers provide with 401K's. This will especially be helpful if the IRA limits are increased with these new proposed tax laws.

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