[scarface_74]

You shouldn’t care about $20K???

In 10 years invested at $20K a year that’s 370k at 10% returns (about average for the S&P 500).

Thinking like that is how car manufacturers get people to pay for useless add ons.

On top of that, raises are usually a percentage of current base.

Would you tell someone making $20K not to worry about $40K

[killingtime74]

you've not heard of tax?

[scarface_74]

It’s called a 401K or HSA…

One is free from federal and state tax up to $23K (well $30.5K for me this year - check my username) and one is free from Federal, State and FICA up to $4250 if you’re single or $8500 if married.

That means I can shelter $39K from taxes.

That $20K is over half the allowable amount.