<prompt> Human: Need your opinion, I usually go with my gut but will like to see what yall think. 28 years old, single,no dependents. State: NYC 401K: I believe 3 match 401k account has grown a bit I believe 1.20 :S My expenses moderate, I can save and still have fun : So allocating money to 401k can be manageable.The question: is is it really worth to stay at the 15 then at the 25Will i see a big difference on my tax refund? Next year will be more proactive in searching a better job, with bigger compensation etc but that has not happen yetshare any comments and suggestions---Thanks for reading!  <response>: More retirement savings are always good, but the tax question is somewhat irrelevant. The tax brackets only apply to income above a certain amount. A simplified example: You make 38000 in taxable income. The first 9,225 will be taxed 10, the next 28224 at 15, and the final 549 at 25. When you cross a tax bracket threshold 37451 for individuals, you entire income is not taxed at 25 suddenly, just the portion above 37451. 