it is generally fine to have only an IRA if your employer does not offer a match, or to have a 401(k) to contribute only up to the match and then put additional contributions, if any, in an IRA. Americans switch
But don’t take this major work benefit for granted. In fact, a 401(k) with an employer match is a powerful tool to use when building the nest egg you need for a comfortable retirement. “It’s free money,” Cheng says enthusiastically because the company is giving you that money for...