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Message: <blockquote data-quote="Preventable" data-source="post: 4709598" data-attributes="member: 62934">Well the 3.5% match and 5% is slightly more than 8%, but you can probably make that up with higher on average growth rate of 401k. That being said if you are older you might be eligible to get a higher pension contribution, but it is unreasonably high. I started at 21 and I would have to stay until 47 to get to 6%.That being said, the money in your ppa grows at least a very safe 4% rate... you can’t really get that in the market as far as I know in bonds or anything. So I’m going to stay in. As long as I can. You’re probably only at 10k because I assume you started part time. I’m at 7.5 years and I think I’m at 12k and that is with a couple part time years.Got 37 in the 401k, but I aggressively contribute past the match to it. Also 11.5 in a Roth which I have to scrounge upon another 4K before April to contribute to =\.</blockquote>