Just be patient and weather the squalls (which I can never do!)
I do not trust the system now. I feel the whole 401k thing is good in theory but who has gotten a 7% return? The whole system gets the money stripped out every 8-10 years and I have yet to talk to somebody that won, somebody did. What I really do not like is the potential of the politicians confiscating what we have saved- saying it for the good and you will receive an annuity instead. When you die nothing goes to the next generation. As soon as my younger daughter is out of college I am liquidating mine, at least the ones I can.
The "matching" contribution from my employer has gotten me 50% ROI before market on most of my plan.
Just be patient and weather the squalls (which I can never do!)
Most people get significantly better than 7% return when adding employee match and usually saving 31% for every dollar you contribute (25% marginal fed rate + 6% marginal state rate vs usually 5-15% rate in retirement) plus the stock market with dividends has historically grown over 8%. Just diversify and don’t have all your money in 401k but at least get the company match.