How do Deloitte folk compensate for the low 401k match if they haven’t been there for 5 years to be secured in the pension? Putting in 9-15% yourself?

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By yelling "MBBD!" hundred times a day.

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And depending on income you can’t even do Roth. Don’t blindly give advice. D2

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There’s the backdoor Roth. And yes, pension takes 3 years not 5

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3 years for pension. Max 401k 👍🏻

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Don't put anything above the company match on 401k until you've maxed your Roth.

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I thought pension was 5?

I will be receiving my offer from Deloitte this week and trying to financially weight the 2 options as well. (vs. staying/waiting)

Max 401k anyway. Completely unrelated things.

Roth only makes more sense past 401k Match and if you are in a lower tax rate

I’ll chime in to reconfirm that pension is 3 not 5. 401k vesting is 4 years.

You get 100% fully vested in pension after 3 years or do you start getting pension after 3 years?

Fully vested in whatever you’ve earned towards it after 3 years and all years after that

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