401k is pretax. Usually you can change settings whenever you like though it usually takes a pay cycle or two to take affect. Pay yourself first (invest/save aut

401k is pretax. Usually you can change settings whenever you like though it usually takes a pay cycle or two to take affect. Pay yourself first (invest/save automatically) and budget with the rest. If you have goals like buying a house don’t forget to save for those separately so you don’t have to dip into retirement funds early and get hit with fees and extra taxes.