Speaking of retirement, does anyone have a link to a 401k calculator that takes company direct contribution into account.? I can only find a 401k calculator that uses company matching which will give significantly different results

There isn’t one on the homepage after you log into our 401k?

LUV stock suffered the same fate compared to the big 3 for the last several years but has consistently remained the most stable stock among them. And now their valuation has steadily increased and even surpassed DAL after the pandemic began — largely owed to their prudent business management over the last several decades. Slow and steady wins the race as they say. SAVE will be fine, it’s definitely a stock that will take off over time. ULCC might be more prone to shorting until they establish a more stable growth strategy and reputation (like SAVE has).

ESOP? Hahahaha. You must have this confused with another company

I bought my SAVE shares with "play money" and not my 401k contributions. I was interested in buying some well before I'd ever heard of Covid. I actually bought a few shares at the high 30s. Then a couple months later it was down to single digits so I bought a lot more.

My retirement account is 100% low cost index funds

someone above posted about a 401k calculator that takes into account a company DC fund. I have not found one but you can kind of trick it into what you want but saying you get a 15% dollar for dollar match. But that assumes that you put something along those lines into your 401k on your own

Btw, the fact that you can't find a 401k calculator that works for you shows how much better airline pilot retirement benefits are compared to normal folks

Yes, so true, the retirement benefits are fantastic. Many of us are lucky enough to reach the individual limit before the end of the year. That's where you run into the problem with the typical calculator. As you likely know, the calculator misses the portion the company still contributes after I have reached my max. I use the Schwab app to manage my 401k but haven't seen a calculator on there. Maybe I'm just missing it.

It's possible to build a spreadsheet in Excel to do all the future value calculations you're looking for. It takes a bit of poking around to find the appropriate functions, but it may occupy your time on an overnight if you're so inclined.

The other thing a I've found pretty valuable is an app for my iPhone that simulates an HP 19B business calculator. This is the calculator I used in undergrad as a business major in the late 80's. I think the app is somewhere around $5 and does all kinds of future value calculations. It's a bit bittersweet for me to own the app for $5 because the actual calculator cost $200+ in 1989 dollars.

The app is sold by RLM tools dot com. If you search for "HP 19B calculator" on the App Store, you'll find it listed as RLM-19BX.

This is the one I use and the only one I can find that removes matching. The only thing it doesn’t let you input 0% for your personal contribution.

https://www.coralfcu.org/index.php/s...ent-calculator

Except being on first year pay, is there an advantage I’m missing to why you would contribute 0%?

F9 IPOs at $6.3B EV, same as NK?
 

You could be trying to diversify into other investment vehicles. Real estate, Roth IRA, even a brokerage account... There are plenty of reasons why people would rather invest their money outside of a 401k, especially when the company is already putting in more than what most people do without the match.