<prompt> Human: I am a public school substitute teacher in NJ. My employer recently informed me that 5.5 of my income will be put in a 414H account NJ Defined Contribution Retirement Program, NJDCRP. I called payroll and asked if there is any way to opt out and I was told no. Is there any way at all around this? Is it legal for my employer to force me to contribute to a retirement account?  <response>: And youre not going to find anyone in this sub telling you its a good idea to not put money into retirement accounts. You ought to be putting in far more than 5.5! 