<prompt> Human: So Ive been at my current job for quite some time and Im 25 years old. I really do enjoy the job and have never thought of leaving. My job does not have a 401k benefit and I am searching for a higher up job within the company to obtain it, however if my search ends up not finding anything, should I be job searching else where? My job does offer pension but Im not sure if thats even good enough?  <response>: You can do your own retirement account and if your job pays enough, it might be worth it to keep the job to support yourself while just setting aside what you need in private accounts. 401ks are really nice though because even bad accounts with no employer match and questionable investments are still tax sheltered and can eventually be rolled over into a better 401k or an IRA. What kind of pension does your job offer? What kind of tax benefits if any does it offer? How guaranteed is it? I trust investment accounts I can control because they dont depend on my company funding them in the future. I dont really trust pension programs that are entirely being funded out of company assets and could be cut or eliminated when I am old and in need of the pension 