Contrary to what many financial experts will tell you, investing
in a 401k isn't for everyone.  1. You don’t have a personal
savings account that covers 6-9 months of bills and
expenses. Experts say you should have at least 3-6 months saved
in case of an emergency, but more and more people are moving
toward 6-9 months as the benchmark. You need to have liquid,
readily available cash to cover expenses if you lose your job or
are in a pinch. Contribute here first before your 401(k).  2.
Your company doesn’t match your contributions. If your company
isn’t matching contributions there are other investment
strategies you can use to save for retirement, that gives you a
better idea of how much you will have when you do retire. Since
your 401(k) is directly connected to the market conditions in
30-40 years, which is completely unpredictable, choose more
conservative saving vehicles.  3. You have a lot of debt. Don’t
forget that your debt’s interest is compounding just as much as
money that’s sitting in savings. If y