<prompt> Human: Thoughts? I do somewhat agree with 3 though. Renting allows one to get up and move to better opportunities when they are worth while, and is usually cheaper then owning. What do you think?  <response>: the tax advantage of the 401k as well as the matching will be worth more than if you took the money and ran.Number 1 is total crap, and its not as though you are trusting your employer with your investments, you are trusting the broker your employer picked which in many cases has all the investment vehicles you need.Number 2 I somewhat agree with, over-diversification will really hurt returns at the advantage of safety.Number 3 I do agree with, home ownership is incredibly overrated in terms of how much it saves you. 