Thobe | Beginner Money Systems
Region: US
Sunday 11 October 2026 03:55:35 GMT
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fritzagain :
“Don’t save for retirement, travel instead” is definitely a hot take
2026-10-11 12:29:54
241
rjordell :
ur wrong tho, u can take out loans against ur 401k without any early withdrawal penalties
2026-10-14 04:23:48
3
🤓 :
No, you should absolutely take advantage of your 401k no matter how early / late stage career. The order of operations is 1) pay off high interest debt, 2) fully funded emergency fund, 3) max out 401k match, 4) max out Roth IRA, and then 5) max out 401k—traditional if hitting the top tax bracket, Roth if you want more in retirement than currently earning, THEN 6) taxable brokerage etc
2026-10-11 09:17:08
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darwin44 :
If you’re a high earner and/or CAN AFFORD it, definitely max your 401K. Age shouldnt matter, lots of ncg/ppl in their 20s are high earners. But general rule is to: contribute up to company match > max out ira > max out hsa > max out 401K. Assuming little to no debt and already have some type of emergency fund
2026-10-11 18:03:25
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Cam :
This guys giving such poor advice. Don’t listen to it and max out the 401k. Follow financial order of operations not this guy
2026-10-12 00:49:20
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Chrissy :
Def a hot take. As a person who had a 401k offered since my 20s, I had wished I would have contributed to the account and if I was able to have maxed it out I would. Time in market.
2026-10-11 16:35:27
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King Carps :
It may not be the best advice, but it’s universal advice. This advice will work well for anyone, but it isn’t the best for anyone. It’s great advice for someone starting their career for the first 2-3 years since it provides them with one single investment vehicle to focus on and understand. As they develop financially and in their career, they will have a solid financial foundation, and can begin to explore other vehicles or other life goals. But it’s great to start out at and id rather be 25-26 with $100K in 401K before worrying about Roth/brokerage/housing funds.
2026-10-12 17:15:28
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akassam44 :
Depends a lot on income. 401k match always, then HSA, Roth, then anything leftover either 401k or brokerage. For a low tax bracket now, taking the tax hit and putting into a brokerage can be smart for maximum flexibility. For a medium/high earner, maxing a 401k can make more sense financially even WITH the 10% early withdrawal penalty down the line. It depends on your future tax bracket (if retired fully it can beat out a brokerage), plus there are ways to avoid it when older. Worth running the numbers on your unique case.
2026-10-11 16:04:39
1
👍 :
Lol this is bad advice. There’s nuance. Saving for retirement in general should be done within your means and needs to factor in your priorities and goals
2026-10-15 21:46:31
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Josh :
u should absolutely max ur 401k if u can for the first few years until 100k. after that u can do the match and let compounding do the rest.
2026-10-11 14:50:36
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Val K :
Maxing made me a millionaire, best thing I ever did
2026-10-12 19:46:35
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Michael Gorman :
I reduced my contributions after hitting around $180k. I don't have a company match but the tax benefits today actually helps me not owe money on my taxes every year. I reduced it down to where we should break even. now I'm still putting $1k a month, and then another $1.5k in my personal brokerage.
2026-10-11 19:08:36
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ganzarsko :
companies have Roth 401ks, stop discouraging people from having safe retirement accounts
2026-10-11 14:58:24
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M_MakesTV 🎬 :
IRA and HSA yes but the 401k doesn’t get there especially without a company match
2026-10-12 22:15:13
2
MikeHunt :
Max out ur roth ira instead
2026-10-12 03:01:29
0
Johnny :
I max it 130k 25
2026-10-12 11:25:13
3
Honest Personal Finance :
It’s much easier to lower your 401k contributions later in life than it is to make up for lost time bc you started late
2026-10-13 13:24:17
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Good Boy :
Max out to the point of the company match
2026-10-22 15:16:21
0
geeraldinexd :
My company matches 100% so I’m for sure maxing that out lol
2026-10-13 23:58:41
2
YukiMukiTuki :
I maxed out my 401k for several years in my 20s and have 0 regrets.
2026-10-12 23:04:33
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Mo Elsherif :
Bad take, maxing out your 401k is one of the only ways to lower your taxable income, and your money is also still getting invested, and if at any point you needed some money for like a down payment, you can borrow from your own 401k balance and pay yourself the money back with interest to yourself.
2026-10-12 20:26:29
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TheReal_Clarence_Patrick :
I used to max my account every year, but have pulled back and started to focus on HSA and a taxable brokerage account. Don’t want all of my money locked up until 59 1/2. Brokerage gives you more control of your money
2026-10-13 12:21:02
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haley🎱🎸 :
i don’t max my 401k because it would require 1/5th of my income and people are shocked by that but i’ve done the math to know the minimum i need to invest to have a solid retirement and then i get to use all the extra money to have fun in my 20s while also taking steps to make more money in my 30s so i can increase spending AND savings rates. highly recommend this method for anyone making less than 100k/year in their 20s
2026-10-16 12:55:20
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mynameisjeffro :
I didn’t max out my 401k until my 40s
2026-10-12 19:55:26
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