Been in EY for 5 months, don't have a 401k, didn't have with previous employer either. Should I open now or wait till I complete a year?

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Posting as :
works at
You are currently posting as works at

There is no waiting on a 401k. Open it now. Don't even spend time replying to this thread. Go open it. Do it. It's free money.

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Now.

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So I spoke to them, and EY doesn't match anything for the first year

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Regardless you still need to open one but that's shitty to not get any match. However, I am not sure how that works with your visa status. If your planning to become a citizen, absolute start one.

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Stop reading this post and open one now.

I'm on call with them, not a citizen - on a work visa

If you're capable of managing your own money there's little point in putting in more than what you need to get EY's puny match. The funds are pretty terrible. Open your own tax deferred retirement account and adjust your withholding.

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