Do you have employer match or anything that helps motivate you to contribute?
this post was submitted on 05 Nov 2025
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Yep! And every employer that has offered has had some kind of match.
I've rolled all my 401ks over with each new job.
I also have an IRA from money I saved towards retirement while working in Canada for 18 months. I took the tax penalty up front since I'll probably be US based for majority of my life. But I did earn a match while working in Canada.
Current employer gives 4% fully vested.
Contributing 20% of income at the moment (30 to) and hoping to retire before 60.