<prompt> Human: Seems to me that a non-matched 401k is only valuable if: I end up retiring in a different state unlikely tax rates go down in the future seems unlikelyOtherwise, liquidity is really valuable to me at this point in my life no career, no family, trying to figure out how I want to live and what I want to do.People try to use this logic like, any money that you put into the 401k would be lost to taxes anyway. But I dont think thats quite that simple.Am I being silly?  <response>: The value of a 401k, IRA, other retirement plan is that you get tax advantaged savings. This effect is substantial, especially when started early in life. You may think liquidity is important to you now, but you should read some of the links on the sidebar to understand why it is so important to start saving for retirement early. 