Financially savvy fish - I’ve seen multiple opinions from folks regarding 401k’s. Some say to only put in what your company will match, others say max that bad boy out at 19K per year. Thoughts? I could max my 401K, but it would mean forgoing investing into other things (mutual funds, ETFs, individual stocks, etc…)

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If you want to retire lavishly at 65, max it out. If you plan to use capital for other investments in order to retire earlier, just do company match or zero. I’m thinking about not contributing anymore

FWIW - 28/M/525k net worth

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Pwc1 exactly. I make about $1600/month in cash flow after expenses, capex, and maintenance with 3 properties

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I would suggest always investing in tax advantaged accounts (401k, HSA, Roth IRA) before investing in your own brokerage account. Don’t pay taxes if you don’t need to.

If IRR in outside investments > 401k when factoring in Match and tax advantages then you should skip 401k

I will not contribute to 401k for rest of my life

But most people won’t achieve what you outlined, at least not with a high level of certainty. Not contributing to retirement accounts will set up most people for pain in the latter stages of their lives.

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