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  "path": "/notes/us-401k/",
  "publishedAt": "2026-04-20T13:22:36.263Z",
  "site": "https://karthikkadambi.com",
  "textContent": "The **401(k)** is the standard employer-sponsored retirement plan in the US.\n\n### The \"Free Money\" Match\n\nMost companies offer a \"match\" (e.g., if you contribute 6%, they also give you 6%). This is literally free money and is the first thing you should maximize.\n\n### Traditional vs. Roth\n\n  * **Traditional 401(k):** Contributions are made pre-tax (lowers today's taxes). You pay taxes when you withdraw in retirement.\n  * **Roth 401(k):** Contributions are made after-tax. You pay _no_ taxes when you withdraw in retirement.\n\n\n\n**Wait for Vesting:** Check your company's \"vesting schedule.\" If you leave the company too early, you might not get to keep all of the employer's matching contributions.",
  "title": "401(k) Investing | Employer Match & Tax Savings",
  "updatedAt": "2026-02-18T00:00:00.000Z"
}