How do you all approach investments/savings? On OPT now and applying for STEM, hoping for H1B after that. Currently maxing out company match on 401k but not sure if I should look at ETFs or Roth IRA next, or if the implications are any different from citizens if I am not able to stay long-term (I know there is a 10% penalty for taking out funds from 401k early for example).

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I used to be on visa, bcz of that I didn’t contribute to my 401k or Roth, now Compared to ppl at my age group I am behind, something I regret. Each individual’s situation is different and 10% is a lot at least to me, so you should evaluate your situation, will you be able to stay here long-term...

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