Sasha,
Excellent post. I believe that now is the best time for you to get a 401K. As you said, now that you are very young, you will be able to save a good amount of money for your retirement. As you said, short or long term disability is a must to have, we never know when an accident or illness knock in our door. For my personal experience, I had a hand surgery in December and if it was not for my disability insurance, I will be able to cover my bills. Even though the disability only pays up to 60% of your salary and start paying after the second week, it was a big help.
Excellent post. I believe that now is the best time for you to get a 401K. As you said, now that you are very young, you will be able to save a good amount of money for your retirement. As you said, short or long term disability is a must to have, we never know when an accident or illness knock in our door. For my personal experience, I had a hand surgery in December and if it was not for my disability insurance, I will be able to cover my bills. Even though the disability only pays up to 60% of your salary and start paying after the second week, it was a big help.