Sorry to show one of my pet peeve "insensitivities," but one of my semantics issues concerns the calling of pregnant woman as people... "People" need blah and blah and blah.. , and in that context the reference is to  "pregnant people" which in my thinking is quite a bit better (and less ambiguous) to refer to as such "pregnant people" as women.. or some variation of women that does not include men (or some variation of men).


That is a fairly BIG dilemma for normies.  I feel somewhat out of place to be contemplating such dilemma - because the main years that I was investing into a 401k, I did not really know about bitcoin - so my getting into bitcoin was to replace my 401k investment with a new investment... and I was no longer eligible for 401k investing at the time that I started buying BTC in late 2013.

So the dilemma is to have a potential for matching funds and tax deferral.  Depending on the 401k plan, the matching funds will likely go up to a certain percentage of income or a certain amount of income.... I had the first 5% matching funds and then after that I could invest up to the yearly maximum with merely tax deferral.  I always considered that there were a lot of advantages in terms of investing at least as much as the matching funds, and then after that it was more ambiguous about what to do in terms of maxing out the yearly allowance.  Probably, I would still say to maximize the matching, and then just invest at least the same amount into bitcoin, if that were to be affordable.. so kind of assuming 10% of income into those two investments (5% 401k and 5% bitcoin)... but surely, individual circumstances should be taken into account in order to figure out these kinds of matters, and if your budget might allow for more.. or maybe if yo might be over extending yourself, too in terms of all of your monthly expenses in light of your income (monthly cashflow).