retirement account Archives • Bitches Get Riches

You and your motley team of thieves have infiltrated the highly secured and top-secret Retirement Archives. You’ve made it past the trained guard dogs, the snipers, the laser grid, the biometric scanners. And now, you’re in position to steal the most valuable knowledge of all: how to save and invest to retire some day in dignity and comfort.

Retirement know-how: you don't need to heist it anymore!

Retiring: it’s not just for The Olds anymore!

Over the years we’ve written about how to set yourself up to retire while you’re young, how to stick with a retirement plan during your working years, and even how to achieve FIRE (that’s “financial independence, retire early,” a forced acronym if ever there was one). Here is the sum of our retirement advice, gathered together for intellectual cramming purposes.

Today we’re answering a question from a Patreon donor about unvested funds.

And if you hear the phrase “unvested funds” and picture a pile of money dressed like Aladdin minus the purple vest, it’s okay! THAT IS ALSO HOW MY BRAIN BE! You are safe here.

DO YOU APPRECIATE MY VEST PUNS, CHECK YES OR NO.

Basically, Patron Leah is stuck working for an employer who’s promised her financial compensation. But later. Like, years later. And since she doesn’t like her job, she’s got to weigh whether it’s smarter to walk away now, or stick it out until she gets the money she deserves.

This is an unexpectedly tricky question. There’s a financially “right” thing to do, and an emotionally “right” thing to do—and they do not agree with each other at all. TYPICAL.

But rest assured, I’ve got strong opinions and I’m here to use ’em! So let’s get into it.