How many choices? When you decide that OE is wanted (or needed), you are faced with determining whether to sign up for or politely declining benefits offered by each company.

But how do you decide? Is it easier to stick with J1's benefits (health, dental, vision) and maxing out the 401k while socking away the entire salary of J2? Or do you pick and choose what works best for you from J1, J2, etc?

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I took benefits at my J2 since they had the better coverage. I waited until open enrollment to stop my J1 benefits and told them I’m on my wife’s benefits now. They didn’t care at all. For J3 and J4, I told them upfront when onboarding that I was on my wife’s insurance and wouldn’t be taking it.

For 401k, it’s tricky. I contribute more to the ones that have a higher match. Be careful on the $23,000 max

helpful

That's a great answer! I think being well informed about what each company offers to the employees really helps. That way, you can decide what is best for you and your family.

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