401K is still a good deal. You're getting free money from your employer because they match. If they don't go find another employer.

Make sure you have a good advisor and remember everything is on a boom and bust cycle. When you're in your early 20's max out whatever you're allowed to put in and put it in aggressive funds. As you get older, you pivot toward conservative funds.

What gets people is they kind of set their 401 up and forget about it and if retirement comes during a bust cycle they get screwed because they didn't shift their funds ahead of time to something that won't take a shit.