Is it bad to start contributing to your 401k at 30 even if you have a decent net worth?

So I am at a point where I have a mortgage, 2 car payments and some misc debt.

I'm getting by right now as I have a decent savings built up for someone my age (27 years old). In total my net worth is around 75K including investment portfolios and house and any other assets.

I know the benefits of a 401k and why you should do it. But I keep thinking that I could use that extra cash to pay down the principle on my house and potentially save 6 figures in interest in the long run or keep adding to my very promising fund I'm already invested in.

I currently contribute but I was thinking about stopping all together and pay off my mortgage faster while saving. In reality the interest saved and the principle of the house added into the growing value of my house would even out.

Now I must also include that my company's 401k plan doesn't match at all. Otherwise I'd at least be contributing the amount the match to. In fact the reason I'm even thinking about doing this is because they don't match.

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