Are you still contributing to 401K at these times or try to keep cash instead?

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Upped my 401k contribution. Won’t be touching this money for 40 years so buy while it’s on sale

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Stocks are up YoY. Certainly not on sale. In fact they are the most overvalued in recent history.

Maxing out for the year, just like every year.

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I’m maxing out my 401k because it’s good to buy low (and the market’s lower than it has been in recent years). However, I also have enough saved up to cover 6-months of expenses. Make sure you have an emergency fund (preferably in a high-yield savings account), but also try to contribute to your 401k to the extent that you can.

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Maxing our 401k - but only because I have a 6 month emergency fund. If I did not, I’d be prioritizing that instead.

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Definitely at least do your employer match as its free money + market is low so you’re buying in lower

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401K is an investment mechanism and unless you’re retiring within the next 3-5 years, you’ll likely see your steadfastness in your strategy pay dividends long term. Savings and cash won’t appreciate in the same fashion.

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Even if you need the cash, max out employer contributions. You will be better off, even if you cash out tomorrow and pay 10% penalty (assuming that your company matches more than 10%, which they usually do)

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