<prompt> Human: Im a 28 year hospitalist who moved from Washington DC to FL in July. Last year I didnt contribute anything to the 401k but this year we can actually afford to. My current employer doesnt match before a year. This year August 2018-19 im supposed to make approx 300k and last year July 2017-2018 i made approx 220. Ques: is it worth putting money in the 401k this year since the program doesnt match yet and saving for a house? And will my tax bracket be significantly lower since my income is higher from August 18 onwards and not the entire year? Thanks  <response>: At your income level you should be doing everything you can to reduce your taxable income. So yes, max out your 401k contribution.Stop worrying about your tax bracket and focus more on your retirement contributions.Check out whitecoatinvestor.com 