Truth. I was looking for a new job a few months ago and I have always used the terms and % match for 401k as a kind of dipstick to see how well the company trea

Truth. I was looking for a new job a few months ago and I have always used the terms and % match for 401k as a kind of dipstick to see how well the company treats its employees. I was shocked when I talked to some startups and some didn't even have a 401k, and I was blunt with the HR recruiter and said that is a big red flag to me. He said the younger employees don't care and offered to show me results of a survey they did a few years back. I believed him, because they also had a generous vacation policy and also paid for 100% of the cost of health benefits- which is what younger workers look for these days. I joked with the recruiter that if I accept their offer, my first week I will offer a lunch and learn on the benefits of saving for retirement and why its so advantageous to start when you are young! Its unfortunate how little people coming out of college understand about personal finance. In my previous job, I was constantly giving mini personal finance lessons and advice to my team. I didn't end up accepting at that startup for somewhat related reasons- another company made me a monster offer, that to come back full circle on, would allow me to be comfortably financially independent in roughly 4 years- and at that point I will have my "F you" money and can do what I want.