The 401k Match That Never Vests

Lucas and Luna dig into the fine print of 401k employer matches that take years to fully vest — and the math on how much you actually walk away with if you leave early. Using a concrete example of a 6% match with a six-year graded vesting schedule, they show that a worker earning $75,000 who switches jobs after two years forfeits nearly $4,000 in unvested employer contributions. The episode covers how to read your plan's vesting schedule, the rare 'immediate vesting' gold standard, and one strategy to minimize the damage when you know you'll leave before fully vested. No alarmism — just the specific numbers every employee should check during open enrollment. #401kMatch #VestingSchedule #EmployerRetirementPlans #GradedVesting #CliffVesting #ImmediateVesting #RetirementSavings #PlanDocuments #JobHopping #ForfeitedMatch #Fidelity #Vanguard #BeneficiaryDesignation #PlanFees #Finance #PersonalFinance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo