<prompt> Human: My 401K has no employer matching. Is it still even worthwhile to invest in it?I already max out my Roth IRA every year as well.x200B;Would it be wiser to not bother with the 401K and just put money in stocks?The only thing I can think of why it would be worth it is that I have a Roth option for my 401K.  <response>: Youre forgetting about the pretax benefit of lowering your AGI come tax time. 