Not just the risk of dying; consider also the risk of some world event that makes your savings irrelevant, like a Singularity or a global economic crash.
Or, on a much smaller scale, the risk of switching jobs. My employer match doesn’t vest until I’ve been on staff three years; the numbers for maxing it out look very different if I want to look for a better position elsewhere before then.
Not just the risk of dying; consider also the risk of some world event that makes your savings irrelevant, like a Singularity or a global economic crash.
Or, on a much smaller scale, the risk of switching jobs. My employer match doesn’t vest until I’ve been on staff three years; the numbers for maxing it out look very different if I want to look for a better position elsewhere before then.
If you’re referring to a 401k, it’s worth maxing it even without the employer match, because the tax incentives are so large.