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unfortunately i don't have an answer for your post, but just puttin' in my 2cents worth of total agreement that it's good to see that this board exists! sometimes i have foolish questions that are littered with footnotes on how i earn a living in the resaturant biz (ie no 401K).

Really? Lone Star allows all employees to contribute to their 401(k) after six months, with a company match of 50% of the contribution with no limit.

I know I should participate in it, but my paychecks are so small it doesn't seem worthwhile. But I do participate at my 403(b) at my day job.

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