this post was submitted on 05 Dec 2023
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Asklemmy
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Make sure you're adding (at least) the max they'll match. I get paid hourly and they match up to 4%. I make them do the math so that no matter how many hours I work, it's 4%. The office lady tried to make it easy and just calculate 4% on a 40hr week, but I work over 40s a fair bit. Nope, thanks, but I want all 4%. Will it mean early retirement? No. Does it matter in the least? No, I work hard for my money and I want it all. There's never a reason to turn down free money from work.
I can only afford the minimum match currently. I'm having money issues because I have been out of work due to an injury. I want as little taken out of my pay as possible. I can change the percentage in a year, so I plan on going up a lot then.
I hear ya. Pay in the minimum. Bump it up asap though. I'm 51. I never paid into anything. I have to work for at least 20 more years because of it. Save now.