Please for give me if this is a redundant question.
New to the MMM world and only recently started taking my finances seriously, so I'm not quite there yet, but soon I expect to have remaining debt (student loans, etc) all paid off. At the moment I contribute 5% of my gross income to my company 401k to get the maximum company match. My question: once my debt is paid off and I have emergency funds set aside, which makes more sense to do first?
1) contribute more to company 401k to max out (18k annually or whatever it is)
2) still contribute to company 401k to get the company match (5%), but then put everything else in an index fund (Vanguard)
3) some other hybrid scenario i haven't thought of
One caveat here is that I don't own a home. I'm not sure that I'm cut out for owning a home and at the moment I enjoy living in a rent controlled apartment (rent goes up an average of 3% annually, more or less), but the flexibility down the road might be nice. For that reason, I would assume that going the index fund route would be best, but if i don't end up buying property would it be a bad move to not max out my 401k?
Some additional details for context:
-35, single, no kids
-I live in the SF Bay area. Needless to say, a considerable down payment will be needed if I decide to buy a house
-my gross annual income is between 120-130k, so I'm in the 4th or 28% tax bracket at the moment
Happy to provide any additional details if that helps. Thanks in advance for any advice.