Posts  / #POST-218882
REDDIT

My job offers both a 401k (with no match) and a 457b plan. Should I be maxing out both?

I
Feb 4, 2026 · 17:28

I initially thought they just offered us a 401k, but recently found an option to contribute to a 457b as well. From my googling, I can contribute to both and the contribution limit for both is separate.

My question is, should I, in an ideal situation, be maxing out both? Does having 0% match in the 401K change which I should contribute to first?

If I can’t actually max them both out (highly unlikely w my salary) is there one I should prefer over the other?

Thanks!