What Percentage should You Dump into a 401(k) or NOT?

My common-sense view is that if a retirement savings vehicle is good, it is good, PERIOD! It doesn’t become good simply because of some DISCRETIONARY matching by an employer. So, the entire buzz about 401(k) plans being “awesome” – due to matching employer contributions - is frankly nonsense. What if the matching stops? My guess is they suddenly become atrocious.I am startled by the fact that, an