Do you contribute to your 401k or is the money better in your hands, easily accessible before 65 and placed into an etf?

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I contribute to my 401k to take advantage of employer matching, since otherwise I'm leaving "free" money on the table. If that "loss" of funds from my paycheck materially impacted my monthly budget tho I'd hold off on contributing until I could afford it.

Alternatively, if I was actively saving for a house I would hold off on contributing to a 401k since it makes more financial sense to make that purchase as soon as practicable.

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What SA 1 said, plus, a 401k is a tax haven if your total annual earnings put you in a high bracket. By the way, 401k investment options are often far cheaper than even the same funds offered through an IRA or standard brokerage account — so theoretically your $ can compound earnings faster

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Yes 1,000%

I never put all my eggs in one basket. So, the answer two both is yes to some degree.

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