It's been too long to be able to edit.

https://www.linkedin.com/pulse/20141010125950-31061941-what-... We do have a 401k-like system that has some neat perks:

- your contribution limit carries over, so if you have a tight year, you can contribute a bunch over the following couple of years

- you can temporarily withdraw from it tax-free to buy a house (it has to be replaced within 10 years or you'll owe income tax on it)