It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxes. You've got financial questions, he's got financial answers. It's Brian Preston,

the money guy. Curtis said, does it make sense to contribute to your 401k if there is no match,

but all other bases have covered. For reference, I'm saving 30% of my net pay overall,

maxing out Roth and contributing to an individual account. We know, Brian, not all 401ks are created

equals. Some of them have very poor investment options. They're poorly diversified. They have

really expensive internal operating expenses. If that's the case, I have one of those 401ks.

And I don't get any match, and I don't get any free money. Should I just avoid it altogether? Or

are there reasons or are there times when I should still even utilize a 401k because the nature

of the type of account that it is? Curtis, this is once again, I love that with the financial

order of operations is very confirming for me when once again, you throw a curveball of,

most 401k, your employers go give you $0.50 on the dollar or a dollar for dollar matching.

Curtis stores us the curveball of his employer. I don't know if his golf buddy or whoever designed

this thing was in fully maximizing it. It just exists. It doesn't give all the benefits. Does

this blow everything up? That's why I love that the financial order of operations is kind of an

all-terrain vehicle. It doesn't care because let's let's look at this. I'm holding up the

resource. You can go to moneygot.com slash resources. This is the free deliverable. This is not,

now if you want the course, the full deep dive, it's learned.moneygot.com. But you'll notice,

step one deductibles covered step two, employer match. Look, there's no employer match on this plan.

Just pass on through. Just draw a rod on over step two. You get the three high interest debt. We

want to knock out the credit cards, anything else like that. Emergency reserves, Roth and HSA.

This is primarily talking about H.O. you know, your IRA version of the Roth. But it does,

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