I could start out contributing small dollar amounts monthly. So I signed up at the payroll office. I grumbled a little to the payroll people about the high mutual fund fees but not too loudly. I increase the monthly 403b contribution several times. Several more years slide by.
Tax bill drops.
But I still get irritated when the 403b statement comes and I see those heavy mutual fund commissions and fees taking a bit out of investment profits. Then, another one of those life cycle changes. I change jobs. All is not lost. The new hospital is non-profit.