<prompt> Human: I have read the advice always max out your 401k, or First, max out your 401k far too many times to continue to ignore.Heres the thing, 1 I dont make much money to begin with, 2 I aggressively save what I do make so that my standard of living is low, 3 my employer pays a flat contribution to my 401k, not matching, so the more I save the lower percentage of free money I get. 4 I have zero interest in retiring early.Therefore, when I do my retirement savings calculations I have to save just over half of the Max each year to retire. And if I too aggressively save that, than later in life I will be leaving the little my employer does match on the table. Does it still make sense to max out my 401k403b, or should I just do what needs to be done and then diversify my investments other places?Thoughts?  <response>: No you wouldnt always max out your 401k. For example, if you are making 20k it makes no sense to plow 18.5k into your 401k. 