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Long time reader, first time poster seeking advice.

I am going to have a 20 year military retirement (CW4, Army) that starts paying the day I retire (22 Jan 2007). If I get on with a company that has a 401K would it be worth while to pay into it or save the money I would put into it and invest it myself?

I am sure there are plenty of military folks who have looked at the pros and cons of this and am curious to read what they have done and why? All my flight experience is with the military and I have never worked for a civilian company as a pilot so this is very new to me.

Thanks in advance to all who reply.