I only had a 401k at one of my jobs, and only worked there for 3 years before the housing bubble burst and took my job. I retired early, and am honestly quite pleased that I have a tIRA and a sizeable taxable brokerage account to go with a very low cost of living. My income taxes on taking money from the brokerage are at Roth levels so far, though I similarly paid tax on the basis when I earned it (same as Roth). If I find something to spend more money on, I guess Ill be in the 15% bracket.
For OP, if you're not planning to work at this new company for a long time, you could just consider that you're building up those bridge funds for when you retire early.
For OP, if you're not planning to work at this new company for a long time, you could just consider that you're building up those bridge funds for when you retire early.