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Open a Roth IRA and always contribute. You are allowed to contribute up to 6k a year for that. This is just a personal decision but I would still add to the 401k, diversifying for retirement is the way to go
Agree with SAD1 - diversify is key. I’ve always contributed to my 401K even if no matching, however, when I’ve left an agency I’ll flip it to an IRA for more control.