Just landed my first career job at a tech startup - yay! - and I need to fill out my new employee paper work. One thing I'm having a hard time figuring out is my 401k contribution. I'm on an entry-level salary and it's painful to think about contributing to a 401k right now and trying to make rent - ha. I know a 401k is so important, but I'm wondering if it's big deal if I wait a few years (or at least push this out until I'm making more money)?
Do I need to set up a 401k during the first year of my career or can I wait?
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