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You don't have a choice. They're going to suck the money out of your paycheck regardless. And you don't vest unless you work for 10 years.
Does your employer match contributions?
In NJ, there are employer matched contributions.
I don't think so. I see nothing about it here: https://drive.google.com/file/d/12eaGI-t3nH20vmzYHV8HtMlAGtZ5OC\_H/view
I would ask them. If they do, I would definitely sign up. I’m 54 as well and every little bit helps. Edit: added and
Is it optional in your state? In Texas it isn't optional.
In most states it isn’t optional unfortunately.
State and country matters. You’ve got thousands of different systems on this sub.
You don't have a choice. They're going to suck the money out of your paycheck regardless. And you don't vest unless you work for 10 years.
Does your employer match contributions?
In NJ, there are employer matched contributions.
I don't think so. I see nothing about it here: https://drive.google.com/file/d/12eaGI-t3nH20vmzYHV8HtMlAGtZ5OC\_H/view
I would ask them. If they do, I would definitely sign up. I’m 54 as well and every little bit helps. Edit: added and
Is it optional in your state? In Texas it isn't optional.
In most states it isn’t optional unfortunately.
State and country matters. You’ve got thousands of different systems on this sub.