<prompt> Human: Excited about the new job offer but kind of worried about my 401k. Current employer matched up to 4 contributions to the plan but future employer does not match at all. I only have about 10k in my 401k just started about 4 years ago. At my current job my salary is 36 k a year this new job offers 50 k a year. I will contribute a least 5. Does this job seem worthwhile taking? All other benefits are identical.  <response>: 4 match on 36k is 1440 maximum match for the year. Even after you consider the benefit of paying no payroll and income tax on that amount, the 10k raise comes out well ahead. If youre concerned about your retirement savings, contribute more. 