If you have the determination to do it, a roth ira would likely be better than a 401k, as long as you still give up to the match if you are lucky enough to get one. I havea roth(generic target retirement)set up to take a $100 out of the bank every two weeks, and still add more when I can(up to $5000 this year). So that way its kind of automatic like a 401k.

PS. I am a dumb hick farmer, not a financial advisor, sothis advice is only worth what you paid for it. I still try to keep up. I'm 30 years old too and dont think there is a snow balls chance in hell I'll ever see a social security check.