Re: 401ks in the early years
Good question. Never under estimate the power of compounding. What is saved now has many years of opportunity to grow.
Another issue to think about is whether you should contribute to Roth IRAs now, when your income doesn't exceed the income limits for Roths. The money will have years to grow and then can be withdrawn tax free when you retire. In your situation, I might favor contributing to Roths now before contributing to the 401k, even though you have to use post tax dollars.
No more lawyer stuff, no more political stuff, so no more CYA