401(k)计划可以在为退休储蓄的同时减轻你的税收负担. 不仅仅是收益免税, but it's also hassle-free since contributions are automatically subtracted from your paycheck. 除了, many employers will match part of their employee's 401(k) contributions, 有效地让他们的退休储蓄免费增加.