My company does not contribute to 401K match should I just just not contribute to 401K any pros or cons of this step?

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Generally speaking, yes. You will avoid paying taxes on amount upto $19.5K.

You will have to pay taxes and penalty only if you withdraw prematurely. Your gains will grow on a bigger principal. It makes a lot of sense to contribute if your marginal tax rate is high.

It depends, if you are very early in your career it might make sense to max a Roth IRA. Your effective tax rate is the lowest it’s ever going to be. If you have money left over then 401K If the plan has good low cost options

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