Interviewed for a firm that seems great and pays better than my current job, but one issue... they don’t offer 401k matching (my current firm does). All other benefits are the same though. I’m seriously considering leaving my current job for this new opportunity since it sounds like a great fit for me, I just don’t know how to handle the lack of 401k matching. I just qualified for my 401k at my current place but haven’t contributed yet and I need to get my savings in order. Advice?

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I mean is the match that big of a deal if everything else works out? At most the match usually works out to be the equivalent of a 4/5k bonus

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It’s probably not a deal breaker but I would still use it as a bargaining chip.

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You can use that as a way to negotiate for more $, either on your base or as a signing bonus to make up for what you’re losing at your current company.

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Also you can supplement by contributing a large amount to your 401k in your last couple paychecks at current company (if time allows) and open an IRA

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The 401k match at every place I have worked had never been a significant factor in my decision to work there. It’s just not enough money to make a difference if I like everything else about the job.

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I agree figure out how much the match is for you now and try to get a bump in the offer. For most is is probably a few thousands.

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How much of a raise is it? Is it still a raise when you account for money lost from the 401k match?

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