I’m in. I thought for sure I was going to opt out initially. I even have the final form in my email, but I never signed it. Not sure if I’m making right move, but I think I’m going to lower my contributions and try to sharp shoot the max 401k to have as little excess as possible going into this account. This forum convinced me to stay in it.

I'm in. 25ish years left. I just view it as already designated retirement money, and it is going to be in a safe spot in a pension-like account. I'll be making over 300k a year (at some point) and have been living comfortably on less than half that at a previous life. Plus, how many Miatas does one need?

I’m in. I also thought I was going to opt out, but the more I looked at it, the more I realized that it’s extremely unlikely that I’ll diligently invest my excess anyway. Psychologically, this works for me and I’ll just adjust the rest of my portfolio to make a good risk profile.

what made this so hard was that I realized we have enough income and enough retirement savings that neither way is a clear winner in improving our lives.

I’m in. I was going to be in, but then I was going to be out until I decided to be in. At least I have another month to chew on it, right?

and you should. Enjoy your money now, not when your old and boring.

-Sharp shooting is not required, just set 3% 401k if you exceed the 415c income threshold.
-Next year we get 17% DC, so your 3% will max the contribution limit which is 20% of the income limit.
-You can select the optional catch up contribution if you are over 50. I set mine at 10% and just let it run until full.
-If you are over 50, and over the income limit, you could consider the MBCBP as your "catch up" and not make the 401k catch up contribution from earnings.

I opted in. I was going to opt out but the more I thought about it, the less it mattered that it was lower risk. I'll just adjust my other investments if I start getting spill. I view it in the same lens as automatic step increases to 401k investments. For the casual investor, you aren't even going to know it's missing as your rate increases.

In. I'm no Warren Buffett. And with the money we make there's still plenty of cash for vacations.

15 left, in

24-26 left, out