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sciguyCO t1_jef735o wrote

Well, on the one hand 50% is still something. But on the other, in terms of raw dollars, you're talking about missing out on only $73k * 6% * 50% (match) * 50% (vest) = $1100 a year. Or $500 if you leave after year 1 but before completing year 2.

I doubt your eventual retirement will be drastically hurt from losing out on a couple thousand dollars. Though you're also not saving any of your own money. While maybe not "ideal" in terms of pure maximizing return on your dollars, I wouldn't consider it a horrible idea to put a temporary pause on that 401k to focus on debt / emergency fund.

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