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That is a personal question ... if you can afford to save some and save a bit on your taxes ... if the employer does some kind of matching then that would be a good reason ... if you put in a $ and they match the $ then you just doubled your money ... don't get an offer like that every day.
I've never heard of a 401k where the employer matches the dollars you put in .
It's probably not a 1 to 1 match. Although maybe some employers do. I got a 50% match up to 6%. I put in 6% and they added 3%.
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