No. of Recommendations: 0

401(k), IRA, even Roth... "Some Restrictions may apply." some restrictions can be good.

it's late, so i'll bore you with an anecdote... When
*i* was 26, i had several thousand in company stock (IBM). where is it now? it paid for the first year of grad school and much of the following three years (more grad school). ie. Gone.
Had there been "restrictions", i might still have some (but probably not).

it's your money and you should run the numbers but even just a few thou, left to compound for 40yrs could become a very nice pile of money.

(and while computing, try to keep in mind that we have NO idea what tax rates will be like over the next four decades, or even what the relationship between ordinary rates and capital gains rates might be)

good luck.

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