Is it advisable to contribute 3% to my 401k if the employer match is delayed for two years?

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Depends on your financial situation and if you need the 3%.
But generally, yes. The employer match is nice, but the point is to save for retirement early and often, then when the match kicks in, that's just a bonus

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Yes needed cash in general but can save them as well

Agreed with SMFA1.

Also, based on the question I assume you are early on your career and are probably close to the lowest salary you will have, so go Roth 401k if you can.

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You likely should be putting in way more.

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As someone that contributed 0 from age 23-28, I would not recommend you do that. My wife has $300k more in her retirement accounts from consistently contributing from graduation to present.

12 years later mostly maxing contributions I have about $400k compared to her $700k.

Contribute the maximum you can comfortably make

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