Re: Retirement Accounts
good points dude. let me add a few things
the pretax contributions also reduce your taxable income
people say oh I cant contribute so much etc, but once it just stops showing up in your paycheck you adjust.
employer match is free money, companies vary, but I have seen 100% match upto 6% of base, plus employer may make discretionary contributions as well. this is free money, which people will miss unless they are contributing.
and the sooner you start, the better. enjoy the power of compounding.