I don’t have a match but I still save in my pretax retirement account. If you don’t have any available to you through your employer, please look into a Traditional or Roth IRA.
If you don’t have an employer match, max out your IRA first. 401(k)s almost always come with fees while IRAs almost never do.
Your priority should be:
401(k) up to the employer match
HSA. No tax on income used to fund the account. No tax if withdrawal used for a medical purpose. After you turn 55, withdrawals are treated like a Traditional IRA/401(k). If you fund it via paycheck, no FICA either.
I don’t have a match but I still save in my pretax retirement account. If you don’t have any available to you through your employer, please look into a Traditional or Roth IRA.
If you don’t have an employer match, max out your IRA first. 401(k)s almost always come with fees while IRAs almost never do.
Your priority should be:
401(k) up to the employer match
HSA. No tax on income used to fund the account. No tax if withdrawal used for a medical purpose. After you turn 55, withdrawals are treated like a Traditional IRA/401(k). If you fund it via paycheck, no FICA either.
IRA
401(k)