401k loans in California

[Jordan Foster]

I am a young working professional with a W-2. I am saving for my first investment and want some advice on how to most effectively build capital for investing.  

Would it be more effective to…

A. Have minimal contributions to 401k, suffer the higher income taxes of California, and build available cash

B. Max out 401k contributions to minimize taxable income, then take loan out against 401k

I tried to research the topic but haven’t been able to find much. I’m assuming a lot of people with W-2s have faced similar questions, so I appreciate any insight!