Where can I get accurate info / suggestions regarding 401k, HSA, and other saving methods?
I was asked to invest all my planned 401k savings to a couple of picked funds - it that how 401k works for everyone?
Just started my career this week and have no idea. Came from humble background and family couldn’t help. With PwC if it matters.

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At your income level save as much as you can in Roth 401k.

Once you reach ~$180k gross income then you can switch to pre-tax 401k.

After you’ve hit the $19.5k Roth 401k annual contribution limit and if you still have money to save, you can contribute to the “after-tax 401k” bucket, then call them to turn on “automatic in-plan Roth conversions”

As far as what fund to invest in, 100% into the target date 2060 fund should be fine.

Max out your HSA but if you can afford not to spend it, don’t. Pay your health costs using checking account money. Let that HSA grow.

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DM me if you’d like more help

Who is your 401k service provider? They will have no charge people to walk you through this and explain things - including risks and goals - in plain English. Schedule a call. Find an advisor you trust.

And congrats. I also came from a humble background and had to figure it out as I went. I wish I had asked more questions earlier.

I think mine is Benefits Express. Will give them a call next week. Thanks a lot for the suggestion!

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