<prompt> Human: I started a new job and dont get the match for a year...should I still contribute? I have no problem saving by myself and have saved 50 of my annual comp after tax since I graduated. That said I live in NYC where the income tax is high  <response>: A tax advantaged account is still a tax advantaged account. An employer match gives you a much better return, but the lack of one still leaves you with the ability to invest pre-tax dollars and simultaneously lower your taxable income. 