Originally Posted by bruhaha

When I was new hire, that first year I managed to put 18,000k into the Roth 401k. and then put 5,500 of the remaining 7,000 takehome into my own personal Roth IRA. But the company match was nowhere near 18,000. as 9% of 25,000 is only 2,250.

As far as your own 401k, you can't do anything with Spirit's 401k until you leave. But any other 401k from any other previous employer you can rollover into your own personal IRA / Roth IRA. If you don't switch it, i.e. 401k to a conventional IRA - Roth 401k to a Roth IRA, there should be no tax penalty as you're not touching the money. But going from 401k to Roth IRA, you'll have to pay taxes on the 401k and if you make too much money, you can't rollover to a Roth. it's best to do that while you're not making very much money, i.e. first year FO pay.

But even if you don't roll it over into your own Personal Roth or personal IRA, you should still be getting compounding interest leaving it in your old employer's 401k. You just have to keep track of where all of your retirement assets are.