re: Company doesn't offer any retirement benefits, what to do?

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Its not a pre tax option but why not a Roth IRA and catch the tax break on the withdrawal when you are being taxed in a higher tax bracket?

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The downside of this is that you'll get less bang for your buck since you are investing taxed income. Isn't building as fast as possible to realize the benefits of compounded interests especially important for young people?

In this situation, I'd put a given % in a traditional IRA, and any leftover savings go into a Roth, which has the benefit of tax and penalty free withdrawals of contributions in the event of a catastrophic emergency.