<prompt> Human: Because my union offers an hours-worked based pension redeemable after age 65, company doesnt match my 401k. Thoughtsadvice? Should I work to increase my contribution percentage anyhow? Etc.  <response>: does the 401k have good investment options? meaning do they offer low expense ratio fund choices? if they do, you can keep investing in there, even if they dont have a match. the tax benefits are worth it alone. if they dont have cheap fund options, i would open a roth ira and max that first then go back to putting money in your 401k after that. 