I could do my own 401(k) system, but I don't plan on having one myself. My investments will be through tangible assets and taxable accounts, and I'm not changing tack on that course.
As for investing, I agree with you, Arebelspy. I think I'll stick with my current savings account for the next few years, at least until I have enough for about six months of living, like little_owl suggested. After I get to that point, I'll switch over into taxable accounts as well. As for now, I'm going to pay off debt with the funds I currently have. The financial return on saving is less than the mental return on being debt free, even thought financially it makes more sense to save. (My debt is all zero-interest now. I paid off my only interest-bearing loan in December of last year.)
I want to invest, yes, but after hearing what y'all have to say and thinking more about my situation and what I want to accomplish, I don't think now is the best time. With the tiny amount I'm able to put into savings each month, it won't make much of a difference. I'll only set myself back a year and a half with this plan, before I start investing. Like I said, mental benefits from the pay off of debt are going to be better than the financial trade-off I see, especially since I'm looking at using this money in three years as opposed to a nice 10/15 year timeline. Thanks for y'all's input!