401K Question: I'm able to, but extremely hesitant to max out my 401K. I'm set to inherit enough money to live on (knock on wood, way way down the road, family business, etc), and I have one parent telling me to max it because I can, and the other saying not to. I have no idea what to do. I will admit I'm rather skeptical about retirement programs to begin with. I'm currently only contributing about 7500/yr. max would be 19, 500/yr. I CAN do this and still afford to live, I'm just not sure I want to. I have other 'funds' I'd prefer to fund with that money. There IS an employer match, but it's only 2% up to 8% of income and frankly I don't completely get how that works. I also am skeptical about inheritances lol. Nothing is ever set in stone. All it would take is one enormous economy crash to put the family OUT of business, and therefore kill the golden goose along with my income since I work there. Gah, what would you do?! I should also note we are debt free aside from a recent car purchase, and have a 6 month fund and other emergency savings put away.