My husband and I both had bad experiences in the past with 401Ks. We were married before but long before I met him I had no use for 401Ks.
When we met he was in the middle of of a bad divorce. He really only had about 10K in his 401K. They screwed him when he wanted to close it under hardship.
To make a long story short both he and I refused the 401K on our jobs. Neither job did a match so I was able to save our own money. My boss hounded me for years and I would say no. I told him eventually the government is going to seize it. I also know the more people the company has in irhe 401K the company gets huge money. I wasn't going to let him profit on money.
We joined the 401K at 0% so when the companies dump once a year we get money which is their money not mine. So we don't really care what happens to it.
I have saved my own money you just have to discipline yourself. I have no debt and my house is paid off.
Everyone can do it and trust me there were times when we made little over minimum wage. We just did with less many years. No vacations or spending money just to have the next best thing.
My husband and I both had bad experiences in the past with 401Ks. We were married before but long before I met him I had no use for 401Ks.
When we met he was in the middle of of a bad divorce. He really only had about 10K in his 401K. They screwed him when he wanted to close it under hardship.
To make a long story short both he and I refused the 401K on our jobs. Neither job did a match so I was able to save our own money. My boss hounded me for years and I would say no. I told him eventually the government is going to seize it. I also know the more people the company has in irhe 401K the company gets huge money. I wasn't going to let him profit on money.
We joined the 401K at 0% so when the companies dump once a year we get money which is their money not mine. So we don't really care what happens to it.
I have saved my own money you just have to discipline yourself. I have no debt and my house is paid off.
Everyone can do it and trust me there were times when we made little over minimum wage. We just did with less many years. No vacations or spending money just to have the next best thing.
No excuses.