Approaching $5500 In Roth contributions for the year. Since I’m a staff 1 I don’t get any 401k match. Should I just starting putting the rest in an regular etf fund in E*TRADE?

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Put it in your 401k anyway, pre-tax contributions = lower AGI = less taxes paid

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I’m at EY, I have a Roth 401k set up with fidelity. I’m pretty sure EY doesn’t do anything until your second year correct?

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Pretty sure that’s not correct

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Assuming you have a good non-retirement rainy day fund (I like having 6-12 months of fixed living expenses accessible in cash or brokerage without early withdrawal penalties), I would fund your 401k with pretax contributions after maxing out your Roth before saving after tax dollars in a generic brokerage account

Based on your title, I’m guessing you work at PwC? If that’s the case, you get a firm match on your 401(k), it just doesn’t begin to vest until after your second busy season.

EY matches when you start 1.5% if you put up 6%, you get the full 3% match when you hit year four

That is correct OP. They don’t match anything until you’ve been at the firm for a year. After that year is when you get the 1.5% on the 6%.

Thanks EY3 I have been here too long forgot what the policy was

No worries! I think that was a recent change effective a year or two ago.

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