<prompt> Human: I started working right out of college at a company in the Bay Area last year. The companys 401k matching is 50 of however much I put in per paycheck. This means that if I max out, the company will put in 90009250 a year for me. I was able to max out last year 27000 total and I will continue to do so until I retire. Every other company that I work at from now until I retire will have the same 401k benefitsmatching. I am currently 22 years old, turning 23 this year. Even if I retire at 65, I will have around 5-6 million in just my 401k including interest and everything. At a 4 withdrawl rate, thats at least 200k a year... Given all of this, is it worth contributing to an IRA or better to invest in some stocksCDs or anything else? Ive talked to some of my friends and they are maxing out their IRA too but if I am already putting in 15 of my paycheck into my 401k from such an early age, does it make sense to put more money into another retirement fund?Thanks!  <response>: Every other company that I work at from now until I retire will have the same 401k benefitsmatchingThats a huge assumption. 401ks didnt even exist when todays 65-year-old were your age. Who knows what the future of employer-sponsored retirement will bring.And if youre doing that well, why would you wait to retire at 65? If youre not doing anything else with the money, still 5500year in a backdoor Roth IRA. Or if you want to spend more, thats fine too. But I wouldnt skip the account if you dont have anything better to do with the money. 