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One thing you might want to think of adding to this post is 401k vesting. As an immigrant, I wasn't aware of that and I was very unpleasantly surprised that it was possible to lose a substantial part of my retirement fund contributions, taken out of my salary, after quitting.

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> I was very unpleasantly surprised that it was possible to lose a substantial part of my retirement fund contributions, taken out of my salary, after quitting.

To be clear, anything you directly contributed from your paycheck is yours and isn't subject to vesting. That's always your money. The part that may have vesting rules is the employer contribution.

Thanks for clarifying that. It turns out I misunderstood the concept. I still think it's a good idea to mention it, because I find it all depressingly confusing and usually part of the fine print that rarely gets pointed out.

I'll look into it! I wasn't sure how in depth I wanted to go (especially since the Halloway guide that has been posted here on hackernews before is way more comprehensive) but I'll add a note in the 401k section. Thanks!

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