{ "media_type": "text", "post_content": "I was looking at jobs when I found out that my company only matches 401K after you’ve been there for 3 years or longer. I’m at 26 months. Do I hold out until next year? I’ve got a good amount thanks to their match...", "post_id": "60fa9a6e945d6c00241d2734", "reply_count": 4, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

I was looking at jobs when I found out that my company only matches 401K after you’ve been there for 3 years or longer. I’m at 26 months. Do I hold out until next year? I’ve got a good amount thanks to their match...

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Ask for a signing bonus at your next firm to make up for it.

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Check the details. Is it that they don't match until after 3 years (meaning your first 36 months of contributions are irrelevant) or that your matching doesn't vest until the 3 year mark? And how much do you have on the line? How much might a new job earn? If staying an extra year to get 15k in matching might mean you miss 30k earnings from a better job, then it isn't worth it.

Hm, you're sure it goes from 0% vested to 100% vested at the 3 year mark? Typically it goes up in increments each year, but obviously yours could be different.

Vests, you mean? Think about how much you’d lose vs gain elsewhere. If you’re miserable or highly underpaid, you can probably get long term value elsewhere.

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