My firm doesn’t match my 401k — still worth opting in?

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No. If your firm doesn't contribute then there's no point saving for retirement...

OF COURSE it's worth opting in! Consider contributing to an IRA first, but once you've maxed that out, start loading cash into your 401k. After you've maxed that out too, invest in a brokerage account, real estate, etc. Modify this investing structure based on your goals and needs.

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The reason being, there are tax incentives in doing so. Such as no capital gains tax that you would incur in a normal brokerage account.

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It lowers your total tax liability depending on how much you contribute. Worth it in the long run.

Would recommend a IRA (Traditional or Roth) and then the 401k. You have more options in an IRA. exception is if your 401k has really good investment options and share classes

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