D*C
2 楼
match就放
m*u
4 楼
只要够match的数就可以了,不要多放,留cash付首付。401K 真是个很鸡肋的东西
C*y
5 楼
谢谢楼上的,那1,2年跳槽的话,公司match那笔钱怎么算。
c*o
6 楼
放,而且放满,反正买房时可以从401K借钱
s*t
11 楼
You should maximize your 401k.
401k allows you to borrow 50% of its balance to buy your primary residence.
If you do not contribute, you'll be taxed 30%-40% depending on your
fed and state taxes. For $100 income, you receive $60-$70.
If you contribute to it, you'll have $100 in 401k. When you buy your
first house, you can borrow $50 from 401k as your down payment.
See, $50 is not too bad compared to $60-70.
【在 C*********y 的大作中提到】![](/moin_static193/solenoid/img/up.png)
: 刚工作不久,打算1,2年内买房子,请问应该存401K吗?
: 公司给match 6%.
: 也许1,2年内要跳槽,请帮看看,谢谢你。
401k allows you to borrow 50% of its balance to buy your primary residence.
If you do not contribute, you'll be taxed 30%-40% depending on your
fed and state taxes. For $100 income, you receive $60-$70.
If you contribute to it, you'll have $100 in 401k. When you buy your
first house, you can borrow $50 from 401k as your down payment.
See, $50 is not too bad compared to $60-70.
【在 C*********y 的大作中提到】
![](/moin_static193/solenoid/img/up.png)
: 刚工作不久,打算1,2年内买房子,请问应该存401K吗?
: 公司给match 6%.
: 也许1,2年内要跳槽,请帮看看,谢谢你。
d*n
12 楼
我觉得没啥必然联系,只有到时候钱够就行,income & asset,放1、2年401K有本质的
影响么?
影响么?
s*i
14 楼
always max out if you can. you possibly can lower you tax rate and qualify
for other tax deductions/credits that may phase out for higher income.
for other tax deductions/credits that may phase out for higher income.
c*o
15 楼
如果是单身,尽可能max out 401k,现在一年是$16500的limit。
这钱留在手上,每个也月都花了,根本存不起来。
这钱留在手上,每个也月都花了,根本存不起来。
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