Earlier quoted context omitted.
Yeah the only time it makes sense to have a 401k is if your company matches your contributions.
Why are you saying this? The employee can make up to $18,000 in contributions to a 401k, and still max out their IRA (Roth or conventional). You're not maxing out your retirement savings options if you're refusing to participate in a 401k. For those who are self employed should look into SEP and SIMPLE IRAs, in addition to making the max contribution to a Roth IRA and HSA. For those over 50, many offer additional cat…
Because not all 401k’s offer low-fee funds, whereas IRAs are more flexible