If you max out your deposit to $12K a year and get even a few points of match then you are looking at close to $15K a year. In seven years that's $150K, 14 years it's $450K, in 21 years it's over a million and in 28 years you have $2.2 million.
The government can keep my SS provided they let my taxes go on my retirement accounts. My goal is to retire before 60 with about $3 mil in today's money and the value of my current house paid for.
Cash the government can't touch right now will always be alluring to Rats in the future.
Consider stashing some in the smaller non-EU banking capitals like Zurich and Lichtenstein, after the egg gets big enough. That is NOT a suggestion I'm making with my tinfoil undies on--just one that makes sense given the rats' proclivities for screwing seniors with any money. I'm not saying go buy gold or platinum, or bury your dough under a rock. I would just consider the government's switcheroos in the past and cover yourself.