I still think at least those who are closer to the retirement age (let's say 55), should not have to wait one year before they can contribute . Why should age have anything to do with it ? I don't think we should penalize a 25 year old because a 55 year old is closer to retirement. The 25 year old who saves won't have much of a concern at 55.When you negotiate to accept a new job, do you ever ask about making an exception to the wait ? I worked for an organization that had a 6 month wait(they had a very geneerous match) and when I returned to that organization a few years later, I did negotiate to skip the waiting period.Consider that there are people who don't have a 401K as a work benefit. it is a benefit and not a right. rad
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