Jeremiah 29:11

As a balance, you might check to see if your company plans on doing a Roth 401K because if don't need a tax break now it will benefit you later because it will not be taxed when you retire. If you everything paid off like your house, college, etc. you might consider a 30 year term insurance that way it takes care of burial and money you owe so your family doesn't take care of the burden. Depending on when you retire, you might take advantage of you companies medical insurance until Medicare takes over at 65 years of age.

Now you can save $15k/year but when you turn 50 you can move this to $20K/year if you have to. After you max your 401K you can always open up another account separately and add more.