Depends on how much you can invest now, what your goals are, if you are already investing max in IRA/401k, & how much you can invest annually going forward.
1st priority is to clear consumer debt and invest max in 401k (especially if there is a Corp match) / IRA.
I have about $25k in credit card debt, but the interest rate on it is pretty good, so I just make the monthly minimum payments.
Kidding. That felt gross to even type. But I agree. Pay off consumer debt before investing. Outside of our mortgage, my wife and I are lucky enough to be debt free.
My wife contributes to her 401k up to what they will match (8%), and up to this point, I've always maxed out my IRA every year, but I've made very minimal 401k contributions myself. For a while my company didn't offer a 401k, and then when they did, there wasn't a match. I'm not extremely fond of the investment options provided by our plan and think the fund level fee ratios are pretty high, so I've stopped contributing to it for the foreseeable future.
I've read a lot of literature that argues that a 401k isn't always as advantageous as it's made out to be, especially if your employer doesn't match and the fund level fees provided by your 401k plan are fairly high (which both are the case for me). With the possibility to better diversify, find a lower fee structure, and have automatic re-balancing and tax loss harvesting provided by a robo-advisor such as wealthfront or betterment, there's a strong argument that you don't always come out that far ahead with a 401k plan. And there's obviously a huge advantage to having the liquidity of a taxable account compared to the illiquid nature of a 401k.