There's a lot to think about when you're considering taking a new job, including the hours, the environment, and whether you ...

My formula says nothing about income taxes, which you have to pay sooner or later—sooner, if you opt for a Roth 401(k), later, if you want your contributions to be deductible today.

A 401(k) match is a ... employee contributes at least 6% of their salary to the plan, this is the maximum match they would receive under this formula. Dollar-for-dollar 401(k) match.

The Vanguard study examined 1,352 retirement plans and found that nearly 50% of the $200 billion employers contribute to 401(k) plans annually benefits the top 20% of earners.

Depending on your 401(k) plan, employers may match contributions in a number of ways. According to Vanguard, the average employer match is 4.6%. The median (middle-of-the-road) match is 4.0%.