Date: Mon, 6 Nov 2006 11:31:12 -0600
From: zxcvbob 
Newsgroups: misc.invest.financial-plan
Subject: Re: 401k, really worth it?
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me@privacy.net wrote:
> "rick++"  wrote:
> 
>> There are some subtle arguments there may be better investments
>> than a 401k beyond matching.   But the most important thing is to
>> save at all, then invest in something you feel comfortable with.
> 
> Understood
> 
> I am thinking that since my employer does not match my 401k at
> all..... that I would be better off to stop putting money in it at
> all and start a Roth IRA instead.


Put money in a Roth IRA first, but remember you can probably only
contribute $4000 per year.  That's probably not enough retirement
savings -- a 401(k) lets you save up to $15000 pretax dollars. (They
eventually get taxed at regular income rates even if they are mostly
capital gains at that point, so you may can do better saving after-tax
dollars if you are careful.)

Best regards,
Bob