I am simply amazed sometimes about people not putting money into a 401K. My friend who is 36 didn’t start putting money into a 401K for years, until I admonished him on his foolishness. When a company even matches you up to a certain percent of what you put in, well then you are simply a fool. Who gives up free money!?! Also the money is pre-taxed when you invest. Meaning if you deduct like 50 dollars every paycheck into your 401K you’ll only see a loss of maybe 40 dollars in your paycheck. More on this soon.