Matching is great, but the total limit on 401(k) contributions for the year ($61–67k) is the same whether it’s withheld from your wages or matched by your employer.

(This is not financial or tax advice; listen to me and I will definitely lose all your money and send you to club fed.)

You can save in ordinary taxable accounts, too. The sky is the limit.

That won't carry you very far if you live in a major city.

As I said, a hell of a good start.