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I can only afford one, ESPP at 15% discount or 401K with 100% match up to 6% if salary?

which is better for ROI?

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SMH one has instant guaranteed 100% return on your money they other has 15%. I know which one is take

likesmart

401k, the continued payment of your salary is already tied to stock performance.

Plus, it's free money from the employer that you'd be leaving on the table.

smart

If you can only afford 1, I’ll assume you can afford to set aside up to 10%. In that case do 6% for your 401k and 4% ESPP.

Both are free money so do as much as you can to get to 6% and 10% and sell the ESPP right away if you have to for cash flow

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Well the stock is high-ish rn so if you haven’t contributed yet to ESPP, it’d say 401k?

Based on your salary, calculate both as if you were to sell immediately

Take the instant ~18% returns with the ESPP, sell, put that money into next year's 401k.

Don’t you need to pay cap gains tax if selling prior to one year?

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