Anyone not maxing their 401ks (that’s able to)?
Moved to a buyside job where there is no employer matching/contributions, but there is coinvest opportunities. Got me thinking, is it really worth it to max my 401k, when the only significant benefit is the ability to contribute on a pre-tax basis? I'm not super keen on retiring early (personal choice - understand this is a bit naive as a 20-something), but I honestly feel like I'd rather use my capital to contribute to coinvest opportunities, buy real estate, invest in public equites on a shorter time horizon, etc, than lock up my capital until I'm 60. Especially since I don't have employer matching benefits.
I completely understand the benefits of saving for retirement and the tax advantages of a 401k, I'm really just curious if anyone else has a similar outlook.