Is it really worth putting anything towards this or am I better off to hoard cash and use it to buy silver?
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I say use it now. Market is down and you'll prob see a good return when it picks back up. 401k is a long term investment. Plus I think employers give a match, so you're also just turning away free money. It might not be more than $200 per month but over like a year that's $2400 and over 5 years that's $12000. Sooo u might have a smaller paycheck but it adds up overtime.