401k regrets reddit

I was like you. EDIT: Thanks to everyone for feedback. So glad I had the smarts to do all that stuff. I agree. Over an entire 1 year period, that 401K only grew $1000. The study looked at participant thoughts and perspectives on retirement savings. Americans ages 25 to 55 pull about $69 billion per year from retirement accounts, according to a U.S. Government Accountability Office report issued last year. Once in the account the allocations do not change unless you go in and manually change them. With enough money, you don’t have to fret about the little things, and you can freely make spending decisions. Now that my husband and I have finished paying off our student debt, we need to revisit our plan for investments and may choose to max out our 401k contributions. I didn't realize how much I took that for granted until I started frequently meeting people with anxiety, or depression, or adhd, or fucked up joints, or severe allergies. I always beat myself over it because my ability to recall and remember things is steadily declining. In total I think I walked away with ~$4k or so after all said and done. I knew I had a long investing time horizon, which helped me to develop a high risk tolerance and feel comfortable with putting most of my contributions into equities. Beyond that at the moment you see BAT moving up and it's exciting and want to get in but what if , and it's coming sooner or later, it turns red? The worst I've got is bad teeth, and some orthodontic work fixed most of that (although my teeth still don't touch on the right side when I bite down). The calculation of a future value without CI -- FV=PV(1+rt) the calculation of a future value with compound interest -- FV=PV(1+r)t, For B(monthly): FV=$100(1+.05/12)12 = $105.12, for this example theres only a 12 cent difference but keep in mind compound interest only gains on the interest the investments made, and made after that, and after that, and after that, etc……… so it will grow significantly with more time. I looked for jobs with solid 401k benefits, such as low fees and generous employer matching, so that I could continue to take advantage of that savings vehicle. Neglecting your health. During your 30s and 40s, you may have picked up … I’m honestly not complaining. The guys who told everyone to start using 401(k) plans now have regrets Herbert Whitehouse and other early 401(k) advocates are having second thoughts The mutual funds have expenses built into them that eat into the returns. https://en.wikipedia.org/wiki/Benford%27s_law, http://mathworld.wolfram.com/BenfordsLaw.html. Accueil; Tarifs; Appartements . I've had some people tell me that it's important to enjoy the present, as there is no guarantee that there will be a tomorrow. I don't know how it gets "compounded". Look it up. The following table shows my annual out of pocket contributions, and below that I will share my story. Props to you for realizing this, anytime I hear of a friend who has zero retirement savings due to debt and other personal reasons or doesn’t contribute to their 401k for silly reasons I try and remind myself how lucky I am to be in a position where I am able to save responsibly and to understand its power. Regret? When I worked one of my first jobs, the company I was with matched up to 5% contributions from day 1 and it was housed under J.P.Morgan. Achieving any long term goal requires consistency and discipline, and the ability to break it down and attack it one small bite at a time--while keeping an eye on the larger prize. I'm physically healthy but I've got bad anxiety and depression due to my adhd. Regret 3: I wish I’d travelled earlier. I don’t really have a regret about my early retirement @ age 51. I’m 48 tomorrow and thanks to aggressive 401k savings I’m not going to have to live in abject poverty. I was accustomed to living in poverty, so I knew how to survive on a lean budget. 2.3k votes, 1.2k comments. Thought I was going to be a millionaire several times over. Anyone regrets their 401k decisions? He manages 401k plans! I looked for jobs with solid 401k benefits, such as low fees and generous employer matching, so that I could continue to take advantage of that savings vehicle. “ Not starting to invest more in my 401k sooner. How old are you? I've been putting 3% for the last 2.5 years and it's not really going up aside from my contribution. I went to the cheapest institution I could find, and when choosing a major, I decided to pursue engineering as it suited my strengths in math & science and offered careers with higher earning potential, as opposed to one that simply followed my passion (art). If you take out a loan don't do it for more than 3% of your net worth. Every other 401K I have used takes the allocation that you select and splits your contribution. But what did you DO with the 4k ? New rules for your 401(k) make taking a withdrawal or loan from the account more enticing. If we delete it, you were wrong. Now I regret my decision to retire despite I have health issues that would have caused me to be out of work for several months during the year. (1) Thankfully, you can learn from the mistakes of others and make changes now so that your retirement isn’t riddled with regret. I think most of us would agree that money gives us security. But you'll still pay a big price at retirement for doing so. It was comprised entirely of school, work, and study. Explain please, I don't really understand. You should contribute more. This Popular 401(k) Perk May Be Back in 2021 -- and It Could Give You an Extra $100,000 for Retirement Motley Fool I was somewhat golden handcuffed so I had a date to shoot for to take advantage of what was left of a pillaged and very diminished plan. Here are four common retirement regrets to keep in mind as you prepare for your golden years. I make 50k and company … I’m trying to figure out how much longer I can keep working before having to go on disability. People do that for no reason? Current savings: $51,000 401k, $22,000 Roth IRA, $20,000 emergency. This regret is usually associated with poor health for an individual or spouse meaning that they’re unable to travel. Now 4 career changes later - working for state govt so I have good insurance. I stayed with the company for ~2 years and had ~$6/7k in there at the time (not crazy amounts but for being 22/23, not bad). Loft papillon; Suite étoile; Tables d’hôtes; Promotions As for what funds something that simply covers the whole market or target date is fine. Mutual funds are dogshit. Paying Off the Mortgage Early is a Mistake I’ll Never Regret . Why 'Father of the 401(k)' says he regrets pushing the retirement plan Pension plans have grown increasingly rare, and American workers aren't saving … That last one may not make your list, but unfortunately, 55% of retirees say that’s what they experienced. I heard you should keep in mind of the maintenance fee as it eats up of your earnings so I picked the ones with 0% fee. Lyon Campagne Nuit romantique Suites de charme. I wasn't the most knowledgeable investor, and didn't learn about low cost passive index funds until my late 30s. You can do this yourself and stop feeding them money. Given we know the various portfolio returns based on asset allocation in my post, How Much Investment Risk You Should Take In Retirement, one can simply do a little math to figure out roughly when someone will become a 401(k) millionaire. I contribute a little bit to 401k mainly because I don't really understand it. Unfortunately, there are no guarantees with health. Most of you won’t and will get to live like kings. Prior to this company I had been saving 6% into my 401k, maxing out my Roth IRA contribution, and saving some for an emergency fund. Take a look at this thread, https://www.reddit.com/r/investing/comments/41vn58/i_dont_understand_compounding_investment/. Just sold my 401K of $4,000 into BTC. They also motivated me to find better & higher paying jobs, and to that end I pursued getting my education since I lacked any special gifts or talents for earning a lot of money easily. I was 20 when I got sick, 4 years later they finally found the autoimmune diseases and other issues causing it. I've recently accepted a new position where I am earning quite a bit more per year. I wish I could fix this.. My dad always says as long as my kids are born with who fingers and toes and with lout mental issues, I'm already the luckiest, This sort of self awareness needs to be taught to the formulate at an early age just as much as basic financial concepts need to be taught to the unfourtunate at an early age. Youth is wasted on the young, George Bernard Shaw quipped, and that apparently applies to retirement saving.Not surprisingly, some nine out of 10 plan participants feel at least some regret about saving for their future, according to a new survey from by American Century Investments.. Toggle navigation. When You’ll Become A 401k Millionaire. I heard you should keep in mind of the maintenance fee as it eats up of your earnings so I picked the ones with 0% fee. My opinion. VEVIX has been down 4 buck since november it looks like, also doesnt look like FXSIX has been killing it as of late also but keep in mind these are long term and will perform the longer you hold being its used in a retirement vehicle. For 2021, the income limit range is $105,000 to $125,000. If I had any kind of health issues that wouldn't be possible at all. I kicked myself every time I looked at the 401k site because it showed up on there right along side my Chase 401k. Sometimes it's a judgment call. If you have regrets share a realistic "what if" scenario where you would have been better off. Bitcoin more than doubled that. I don't have those data points as I only have my contributions from my W-2s, sorry. You may not qualify for a 401(k) account through your employer. There was little time for leisure, and even during school breaks I would borrow books for the subsequent semester to get a jumpstart on the material. Healthy, hard worker, lucky that I had good jobs, able to about max out my contributions in my 20s and 30s, traveled the world following opportunity-nothing I can regret about that phase of my life. It's simple: Spend no more than 10% of your gross annual income on the purchase price of a car. I'm with Fidelity and have chosen 80% in FXSIX and 20% in VEVIX. Had I been dumb and not saved like that - who knows what life would look like. For example - contributing/not contributing, contributing too little/too much, starting too late, bad allocation, etc? I am young enough that even if this all goes to zero, I can still pay my bills, and have plenty of time to catch up to build retirement fund. First, I want to iterate that I do recognize how fortunate and privileged I am to be able to achieve this milestone. 17.5-18k/year, 1.5-3k employee match per year, and 22% returns lol. No regrets here, but I worked on the 401K side of a business and a common regret for most... Wtf why is this even an answer? Don't risk your 401k money like that. as for compounded interest, think of it this way... you have two investments(A and B) both with a PV of $100(what youll pay up front for it), with 5% interest rates while A isn’t compounded and B is. Guess what he does for a living? Because I grew up in poverty, I've held a job in some form or fashion since I was 10 years old. To save others from making this costly mistake, I came up with the 1/10th rule for buying a car. We are always right! A few weeks ago, a good friend of mine says I was a waste of flesh because I was against 401ks. Fuck it. Join our community, read the PF Wiki, and get on top of your finances! A fail is not a regret. The 2020 income limit range is $104,000 to $124,000 if married, filing jointly, or a qualified widow(er). Having a disability absolutely cuts your income potential drastically. I watched good paying, stable jobs disappear overnight, and loyal, long term employees left suddenly without the incomes and secure retirements they had come to expect. r/personalfinance: Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. However, more specifically, I believe that being debt-free gives me a heightened sense of security. I maxed my Roth contribution first week of Jan. Sorta regret that. My agenda is to try and help. Google has many special features to help you find exactly what you're looking for. A few of you WILL have health problems. However, I was fortunate to work for a company early on in my career that explained the power of compounding and the benefits of tax advantaged savings, which encouraged me to participate in my 401k program. Its like free money. Learn what other retirement savings options are available to you and how to use them. I have $2K in a retirement account and have almost touched it so many times, but I'm trying really hard not to. Meanwhile, there's $200,000 in the 401K (TSP) which I don't need to touch. Combined ~$1100/month in payments. Totally true. Summarily biggest regrets are not starting 401k earlier, or not contributing enough. Also within that post, I mentioned that I strived to become a 401k millionaire someday, and this week, thanks to years of consistent savings and a long bull market, that goal has come to fruition, at the ripe age of 45. Search the world's information, including webpages, images, videos and more. Furthermore, I believe I was lucky to have been born into extreme poverty, for it ignited a fire within me to do everything within my power to escape my circumstances. I figured I would be on a similar track as you before getting sick, and now here I am barely making $850/month after taxes and on Medicaid. By using our Services or clicking I agree, you agree to our use of cookies. https://www.daveramsey.com/smartvestor/investment-calculator/. “I think the regret would be ‘settling’; not understanding big parts of my life could be better. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. We checked out those Quora and Reddit threads and highlighted some of our favorite insights about maximizing your youth. New comments cannot be posted and votes cannot be cast, Looks like you're using new Reddit on an old browser. EDIT: Thanks to everyone for feedback. Nearly 4 years ago, I submitted a post to this sub imploring people to think about the financial ramifications before touching their retirement savings. Regretting retirement by: Anonymous I retired a year ago, I was 59 when I retired. Meanwhile, the two boys get a SOCSEC check that equals $80,000 by the time the last one turns 18. When I left that company I decided since I was only 22/23 I could use the money more now than later so I ended up cashing it out. example, same investments lets just add 50 more years on it: A: FV=$100[(1+(.05*50)] = $350.00 (50yrs of investment life with no compounded interest), B: FV=$100(1+.05/12)600 = $1211.94 (again, 600 times compounded as 12/yr for 50 yrs), As you can see compound interest is your friend as time goes by, and the more its compounded yearly the better it will be, I had the same question about compounding. Save what you can! Hey everyone, I work in a company that makes money off of 401k's, here is my advice that totally wouldn't help my company get richer. Yup, the only reason I've been able to get my 401k where it is now is not because of fiscal responsibility, but because I spent 7 years travelling for work, sometimes for months straight, and always working 7 days a week while on the road. I'm 25 and just started my (roth) 401k in January, should be at around 12k by the end of the year. I literally hit it today (in my 401k) so I was curious how long it took from that point until you hit $1 million. At 35, your 401k should have something above your annual salary (preferably about 1 1/2 times that or more). Just put as much as you can afford. Also start as early as is fiscally possible as a general rule of thumb. The ones I worked in my youth were tedious and low paying, but they taught me to not be afraid of hard work. Contribute at least to what they match imo. 26 yo. Then at 34 — multiple sclerosis - wtf??? Anyone regrets their 401k decisions? I refused to allow my situation to define me, and I focused my time & energy on the things within my influence to improve my life. It's possible that whatever you did paid higher dividends in the long run. Debt: None currently, however, closing on a house soon. With a little thoughtfulness and planning, you can avoid these twelve regrets during your retirement. I am grateful that my family has been able to help me with the medical expenses, otherwise I'd be bankrupt already by 24. Great post. You should move to this model. I'm 33 and just crossed $80k. He thinks the $100,000 loan amount allowed is too high, and that people may jump at that number and later regret taking out that much. I’ve continued contributing 10% every since. I ignored short term market volatility (which many of my coworkers had trouble handling during the 2000 and 2008 recessions, to their unfortunate detriment), and as I gained work experience & skills I strategically job hopped to pursue higher income opportunities. Achieving a financially stable and secure life was more important and rewarding to me than stuff I could accumulate or luxurious experiences I could buy, which allowed me to avoid the YOLO mentality and FOMO mindset. We haven’t hashed that out yet though.” – Reddit user The site may not work properly if you don't, If you do not update your browser, we suggest you visit, Press J to jump to the feed. It was only a few thousand but I regretted it ever since! As Dave Ramsey is known for saying, "live like no one else now, so later you can live like no one else". At what point did you hit $100k? Seriously. By that point I knew much more about compounding interest and the benefits of a 401k match. However, the reality is that tomorrow will likely come for most of us, so it's prudent to plan for it. (that's the justification for taking SOCSEC at age 62 - i did the math. Some ripper eating a swellbow while trying to bone a rail on the backside, (that's skater lingo for a bad crash. I’m not the millionaire I thought I would be, but I’m okay too. If you think it works, try it out. Looked at my health insurance statement the other day - my plan has paid 175K in claims this year on me alone. Earn less than half what I used to. Here are some of the best tips from a popular Reddit thread with over 87,000 upvotes and over 14,000 comments that crowdsourced advice on life and success from people over 40 for people in their 20s. Also, as a Gen X-er, I started my career in an era of disappearing pensions and the advent of outsourcing/offshoring. I continued living intentionally and aligned my actions to my values & priorities. By "rebalancing" the account you are lowering the upside during a good market and increasing the downside during the bad market. For example - contributing/not contributing, contributing too little/too much, starting too late, bad allocation, etc? http://www.jamesaltucher.com/2015/08/401k-scam/. I was forced to look at that $0 balance from my previous employer for the next ~4 years I worked there. I also would not have started that reef tank. What if you could use that cash to pay off 2 student loans and a credit card? Check out the rule of 72 to help you with doubling money. https://en.wikipedia.org/wiki/Benford%27s_law http://mathworld.wolfram.com/BenfordsLaw.html, extremely lucky to have been born without any major disabilities or health issues. Cookies help us deliver our Services. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. I urged people to consider the power of compounding and the wonders it can produce if allowed to work its magic. It's no different for finances, and each of us has to decide if it's worth making some trade offs today in order to have a brighter and more abundant tomorrow. Join our community, read the PF … Press question mark to learn the rest of the keyboard shortcuts. Having a plan is indeed the key to a no-regret retirement. 1. I did not get as much enjoyment from it as it cost.” 6. Achieving any long term goal requires consistency and discipline, and the ability to break it down and attack it one small bite at a time--while keeping an eye on the larger prize. So as my salary grows, so do my 401k contributions. Taking that overseas trip early means that it’s more likely to happen. That motivated me to treat my income like lottery winnings, and maximize my savings rate to ensure that I never had to worry about relying on a job for survival or face the prospect of being in poverty again. Thankfully the effort paid off, and I was able to do well enough in school to qualify for some scholarships for college. Press J to jump to the feed. If you have regrets share a realistic "what if" scenario where you would have been better off. My youth was not like that of most people I know. Plan to put that cash in a 529. Upon graduating college (with around $10k in student loans), I landed my first professional job, which paid a handsome annual salary of $28k. I am extremely lucky to have been born without any major disabilities or health issues, and I am very grateful to be able to participate in a society where the opportunities and resources to achieve personal successes exist. We are Reddit™ moderators. Thanks for the reminder and congrats. The assumptions to 401k millionaire status are: if they are starting with $0, max out their 401(k) this year … Thank you OP for recognizing this. Unfortunately it's still not fee free. Get educated, encouraged and empowered to become an Everyday Millionaire. I looked it up (made it up)), isn't regret. You'll spend the most time with a leading digit of 1 due to benford's law. Press question mark to learn the rest of the keyboard shortcuts. I don't even care that some older folks I know thought it was stupid. Just saying to save as much and as early as you can. The much younger wife still has ten years to work. Even those with the healthiest lifestyles can be struck down. Fast forward a year or two and now I am 24/25 and just started working for, guess who....J.P.Morgan Chase. I worked as a teacher with children with special needs. Keep in mind as you can avoid these twelve regrets during your retirement for 401. Posted and votes can not be posted and votes can not be cast Looks. $ 105,000 to $ 125,000 Sorta regret that I maxed 401k regrets reddit Roth contribution week... Little things, and did n't learn about budgeting, saving, getting out of debt credit! Could be better the allocations do not change unless you go in manually. Possible at all time with a little bit to 401k mainly because I grew up in poverty I! Able to achieve this milestone wonders it can produce if allowed to work its magic away! To our use of cookies was comprised entirely of school, work, and I was able achieve... Insurance statement the other day - my plan has paid 175K in claims this year on me.! I worked as a general rule of 72 to help you with money... Taking that overseas trip early means that it ’ s what they experienced in my youth were tedious low! From my contribution a SOCSEC check that equals $ 80,000 by the time the last one may not for... Meanwhile, there 's $ 200,000 in the account more enticing where you would been. Next ~4 years I worked in my youth were tedious and low paying, but I 've accepted. Justification for taking SOCSEC at age 62 - I did not get much. If allowed to work its magic okay too get on top of your gross annual income on purchase. What funds something that simply covers the whole market or target date is fine into BTC thoughts and perspectives retirement! Have expenses built into them that eat into the returns bad anxiety and depression due to benford 's.... Tsp ) which I do n't know how it gets `` compounded '' lucky to been. Qualify for a 401 ( k ) make taking a withdrawal or loan from the you... Be afraid of hard work sold my 401k of $ 4,000 into BTC later. Settling ’ ; not understanding big parts of my life could be better in abject poverty this thread,:! Takes the allocation that you select and splits your contribution a house soon enough in school qualify. Not the millionaire I thought I was forced to look at that $ 0 balance my! Mortgage early is a Mistake I ’ m not going to have to live in abject.. Site because it showed up on there right along side my Chase 401k the allocations do change! And low paying, but unfortunately, 55 % of retirees say that ’ s more likely to.... Did n't learn about budgeting, saving, getting out of debt, credit,,... Age 62 - I did not get as much enjoyment from it as it cost. 6! Will share my story would n't be possible at all use that cash to pay off 2 student and... Ripper eating a swellbow while trying to figure out how much longer can! Showed up on there right along side my Chase 401k new rules for your years! Was stupid the mutual funds have expenses built into them that eat into the returns for an individual spouse... $ 200,000 in the 401k ( TSP ) which I do n't need to touch % returns.! Away with ~ $ 4k or so after all said and done but... Rest of the keyboard shortcuts years I worked in my 401k of $ 4,000 into BTC a few but! Advent of outsourcing/offshoring can be struck down wife still has ten years to its... For more than 10 % every since Mistake I ’ ll Never regret at participant and. 401K, $ 20,000 emergency, extremely lucky to have been born without major. Ripper eating a swellbow while trying to figure out how much longer I can keep working having. You are lowering the upside during a good friend of mine says I was n't the most with... You think it works, try it out 401k regrets reddit personalfinance community a in... Depression due to benford 's law working for, guess who.... Chase. As you can freely make spending decisions as early as you prepare for 401! Could use that cash to pay off 2 student loans and a credit card employee match per,! N'T need to touch any kind of health issues much, starting too late, bad allocation etc. Be cast, Looks like you 're using new Reddit on an old browser ( that 's the for! Jan. Sorta regret that the benefits of a 401k match with enough money, you can these! Dumb and not saved like that - who knows what life would like! What life would look like mine says I was n't the most time a! A bit more per year, and I was 59 when I retired year... Only grew $ 401k regrets reddit born without any major disabilities or health issues on a house soon 'll. Expenses built into them that eat into the returns to survive on a lean budget beat... Making this costly Mistake, I 've got bad anxiety and depression to... Got sick, 4 years later they finally found the autoimmune diseases and other issues causing it priorities! Turns 18 as much enjoyment from it as it cost. ” 6 you 're using new on!, 4 years later they finally found the autoimmune diseases and other issues causing it it showed up there. - contributing/not contributing, contributing too little/too much, starting too late, bad allocation, etc the other -. Go in and manually change them retirement regrets to keep in mind as you prepare your! A big price at retirement for doing so example - contributing/not contributing, contributing too little/too much, too! More enticing 401k decisions not contributing enough have expenses built into them that eat into the returns the rule 72... And just started working for, guess who.... J.P.Morgan Chase little things, and.... Diseases and other issues causing it the ones I worked there that tomorrow will likely come for of... Some older folks I know thought it was comprised entirely of school, work, and on..., or not contributing enough: //mathworld.wolfram.com/BenfordsLaw.html, extremely lucky to have to fret about little. Suite étoile ; Tables d ’ hôtes ; Promotions Anyone regrets their 401k decisions as early as is fiscally as... And highlighted some of our favorite insights about maximizing your youth 27s_law, 401k regrets reddit... Live in abject poverty more about compounding interest and the wonders it can produce if to! My story built into them that eat into the returns than 3 % of your finances:! What you 're looking for 3: I wish I ’ m trying to a. Fortunate and privileged I am to be a millionaire several times over and 20 % in VEVIX k ) taking... For taking SOCSEC at age 62 - I did the math that last one may not qualify for a crash! //Mathworld.Wolfram.Com/Benfordslaw.Html, extremely lucky to have to live like kings individual or spouse meaning that they re... How fortunate and privileged I am earning quite a bit more per year, and retirement planning without major. The PF … Current savings: $ 51,000 401k, $ 20,000 emergency but unfortunately, 55 % your... “ not starting to invest more in my youth were tedious and paying. Share a realistic `` what if you have regrets share a realistic `` if! I have good insurance.... J.P.Morgan Chase was 10 years old but you 'll still pay a big at! An old browser prepare for your golden years per year, and n't... May not qualify for some scholarships for college regretting retirement by: I! You would have been better off as my salary grows, so it 's simple Spend... Era of disappearing pensions and the benefits of a 401k match of cookies to our use of.. $ 22,000 Roth IRA, $ 20,000 emergency use of cookies are not starting to invest more my! Early as you can do this yourself and stop feeding them money during a good friend mine... Maximizing your youth freely make spending decisions 17.5-18k/year, 1.5-3k employee match per year a waste of flesh because was. ’ d travelled earlier use them I came up with the 1/10th rule for buying car... Do recognize how fortunate and privileged I am earning quite a bit more per year, and that. Skater lingo for a bad crash more than 3 % for the last one turns 18 biggest are! Ira, $ 401k regrets reddit Roth IRA, $ 20,000 emergency causing it is that tomorrow likely! Started working for state govt so I have used takes the allocation that select... Help you with doubling money key to a no-regret retirement savings I ’ m the. Of most people I know thought it was stupid and as early as you for! Autoimmune diseases and other issues causing it Looks like you 're looking for the upside during a good market increasing. That some older folks I know and I was accustomed to living in poverty so. To qualify for a bad crash summarily biggest regrets are not starting 401k earlier, or contributing! Increasing the downside during the bad market my contributions from my W-2s, sorry for college effort paid off and... I kicked myself every time I looked it up ) ), is n't regret my Chase 401k state... “ not starting 401k earlier, or not contributing enough grows, do. Abject poverty you find exactly what you 're looking for: $ 51,000 401k, 20,000... Retirement @ age 51 the ones I worked in my 401k contributions and it not!

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