Talk to a real person — no cost, no pressure.

A solid starting point is at least enough to earn your full employer match — that's the free-money threshold. From there, aim to increase your rate over time. There's no single right number; it depends on your budget and goals.

Start small — even 1–2% is better than nothing, and it establishes the habit. Because contributions can be pre-tax, the hit to your take-home pay is smaller than the amount you save. You can raise it whenever you're ready.

It's meant for retirement, and there can be taxes and a penalty for withdrawing early. But many plans offer loans or hardship withdrawals for real emergencies. It's accessible if you truly need it — just best left to grow.

It's yours to keep. You can leave it, roll it into your new employer's plan, or move it to an IRA. Avoid cashing it out — that usually triggers taxes, a penalty, and lost growth.

Most plans offer target-date funds — a single, professionally managed, all-in-one option. Pick the one closest to the year you'll turn about 65 and it handles the mix for you. You can always ask Connor to talk it through.

Traditional gives you a tax break now; Roth gives you tax-free income later. It comes down to whether you expect a higher or lower tax rate in retirement. See our side-by-side comparison, or ask Connor.