unless you make plentiful and enough to where you can comfortably afford to put money into a IRA or Roth...folks.. .401k and social security is good enough once you retire....just don't have more kids than you can afford to have...haha and don't develope bad habits when you retire...lols
The 401k is good only if they match
If they match 6% than you do 6%
And put the rest in the ROTH
The fee in the 401k are a killer
That’s why I recommend ROTH
Social security might not be there in 30-40 years
If you google the statistics