<prompt> Human: I drank the Reddit rpersonalfinance kool aid 5 years ago when I graduated from college.Been maxing out my 401k, Roth IRA, and HSA with Vanguard retirement funds.Then I read a comment earlier that got multiple upvotes where the guy said maxing out the 401k is putting too many eggs in one basket and that we shouldnt just be blindly maxing it out. I live very frugally even though I make a decent living and my friend the other day asked me whats the point of making all of this money if youre not going to spend it? He makes same as me.You cant even pull money out of your 401k till your 59.5 or something unless you want to get penalized.Im not even getting a match right now on my 401k at my new job, is it even worth it to continue investing?Theres absolutely no guarantee that Ill make a return at all, I can potentially lose it all in the next crash and have nothing.  <response>: Who else is saving for your retirement?Look, I get it, if youre making 30k a year, signing up to save 18k per year is tall order. If youre doing 250k a year, you had better be maxed out.I think its a generally agreed upon principal that one should be laser focused on saving for long term goals as early as possible, and throwing as much as possible, up to the max, in tax advantaged accounts. 