re: 401k - Putting in more than the company match pros and cons

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So that you can retire comfortably at an earlier age.

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There are multiple ways to access 401ks prior to your traditional retirement age.

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This is a stupid thread

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Definitely not a stupid thread as it is much more nuanced than you are implying.

There is a balance between flexibility/freedom and tax advantages/maximizing wealth. I definitely recommend saving more than the minimum to get the max match but I also recommend saving outside of just a 401k. There are plenty of websites detailing the order of operations to investing/saving with detailed explanations.