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Message: <blockquote data-quote="TANSTAAFL" data-source="post: 3889668" data-attributes="member: 27098">A lot to unpack. Depends on your age, when you want to retire, do you have a cash reserve, what you believe will happen with the economy. The Dave Ramsey thing is a populist argument, but valid in some situations. So, I will assume you are five years or more away from retirement, have a minimum amount of savings, not a ton of debt aside from your mortgage. If you have debt if it is at a low rate (auto loan under 5%) why pay it off quicker? Inflation is high right now, better off using someone else's money. If you feel good about your long term job prospects and have a good cash reserve, why not take advantage of free company money? Investing monthly in a stock fund means your dollar cost averaging, and if the market is fluctuating you are acquiring more shares with each purchase. The market typically rights itself over a 5 to 10 year period. Essentially, when the market's down your buying low, and when you use the money hopefully you will have a lot of shares of a fund(s) or stock and sell high.Never forget too, the 401K gives you tax savings, but if you are in the 22% tax bracket you are only saving $220 for every $1000 you invest.If you feel everything will go to heck then invest in Guns, MRE's, Survival food and Ammo.</blockquote>