There's no real scenario in my mind you should bypass the matching contributions. After you hit the match, I would put the rest in an IRA with lower expense costs. E.g. based on your description of saving, I'd put 5% toward your 401k and 5% toward an IRA. Up to you on Roth or traditional for the IRA, but if you're…

A couple things:

Don't ever pass up free money.

Whoa whoa whoa, some huge misconceptions in this thread which I don't often see on Lifehacker so I feel obliged to comment since this is my field (I do economic research at the Federal Reserve).

If you are not guilty of said action, then it doesn't apply to you.

You need the latest Google Play Services update to use it.

My husband donates to the office pool because it's kind of like insurance. He doesn't want to be the poor bloke still working at the office on the off-chance his coworkers all hit the jackpot.

I'm a recent Law school graduate myself, though not in the USA, where I understand the market for lawyers to be very saturated right now. I was unemployed for almost one entire year after graduating. At my current salary, it'll take me six and a half years to catch up (not having any debt helps). But taking into…

I think you're spot on. It is a much bigger deal at first. We generally all grow up "in the closet," allowing assumptions to determine we have a straight sexual orientation often even before we know. Coming out from being "in the closet" to being "out" is much bigger than future people, though there can be closets…

Yeah, but unfortunately we live in a world were most of us don't have to worry that, because of some antiquated notions of culture and religion, someone might react to your off-the cuff remark about sports with the same potential there is regarding sexuality.