{ "media_type": "text", "post_content": "If your company doesn't match any amount for 401k for the first year, should you just put your money else where for that first and max those out first (HSA/Roth IRA) before opting to contribute to the 401k?", "post_id": "610a205614e7e6002ea90ce4", "reply_count": 4, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

If your company doesn't match any amount for 401k for the first year, should you just put your money else where for that first and max those out first (HSA/Roth IRA) before opting to contribute to the 401k?

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I probably would do Roth IRA and HSA first and then 401k

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Imo yes

If you don’t have enough to do all three, then yes I would focus on the others first. IMO the long-term tax-free growth of them are more important than a relatively smaller benefit from reducing your current taxable income.

The 401k could be Roth also. And if your tax rate now and in retirement are the same, traditional and Roth are a push. If you invest the tax savings now, that will grow to cover the tax when you withdraw

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