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I started a new job nearly 2 months ago. I am in the same industry I've been in for 10 years, just switched to working for another company. I went from a company of 6 people to a company of about 25 people. My new employer does not match contributions to their 401k ("for now, might start later").

My question is, should I even bother enrolling in the 401k plan? I do not know what investment options are available to me, but if there's no matching funds, what's my incentive? Would a better alternative be to start a Roth IRA and pick whatever I want to invest in? Are there other options I should look into?

What should I do? I am 40 years old and have always put money into a retirement plan offered by my employer.
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