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this post was submitted on 24 Sep 2026
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Leopards Ate My Face
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The company match often has a vesting period.
The funds you contribute they have no claim to, you're right.
The company matching contribution can be taken back if you separate in the 1st 18 months typically (and they do, been there).
Most companies have a longer vesting period than 18 months. Most are closer to 5 years.
Not in my world, its been 18 months for the last 6 jobs over 30 years. Might be the vocation, I'm in aerospace.
But fuck me 5 years? That egregious in my opinion... 2 years tops, the rest is an open invitation for dickhead management to be assholes. Or an incentive to fire you at 4y 10m to get their interest gaining money back.
For the longer vesting periods, it's normally like a staggered thing. 4-6 years is common for 100% vestment. But after 1 year you're 20%, 2 years is 40%, and so on.
I've seen this with 401k, 403b, and stock options over my working 20 years. Similar with friends and family.
Wow learned something new today. In my industry its standard 18 months its all yours going forward.
Stock options have always been a joke though, we had "windows" we could exercise them. Well wouldn't you know it the stock would tank a few days before the window opened... EVERY. FUCKING. TIME.
This was my experience.