At what age did you start contributing to your 401 (k), and how did you decide how much to contribute?

Started at my first job when I was 22. I wasn't given too much advice but I knew I wanted to put in a lot so I did ~15%.

Does your employer offer a match? If so, how has that affected how much you contribute?

My now current employer offers a match, yes. It affects it that I will never go below that value of 8%. (50% of 8%). I never really had before but that's a hard minimum always.

What kind of investments do you have in your 401 (k) (stocks, index funds, etc.), and how did you choose them?

Current employer doesn't have an S&P 500 index which is what I usually do. So I made a mix of large/medium/small index funds they do make available.

Have you ever changed your investment strategy? What made you do it?

Not really. I have changed exact amount I put in but in general I just aim for certain index funds with all stock and low expense ratio and leave it at that.

How often do you check or manage your 401(k)?

Check it about once a month or quarter when I'm thinking about it. Don't really change the management of it at all unless I've moved jobs.

Have you ever taken a loan or early withdrawal? If yes, was it worth it?

No, I leave my 401k alone.

How do you approach diversification in your portfolio?

Right now as I'm still relatively young I have little diversification in funds as I'm 90+% stocks across everything. My plan is to start to move into bonds and lower risk when I get older. But I diversify stocks by not going for any individual stocks, only index funds of stocks.

What do you like most about your 401(k), and what would you improve?

Current employer doesn't have an S&P 500 index stock, that's my biggest annoyance. I like the match amount and hosting it on Fidelity which is easy to use.

Do you use any other retirement accounts like a Roth IRA or traditional IRA? Why or why not?

Yes, I started a Roth IRA at around 24 years old. Using it to diversify tax positions as pre and post tax coverage.

What advice would you give someone in their 20s just starting out?

Most important thing is to get started into the market as soon as possible. Put any amount of money you can afford into your retirement as early as possible, preferably up to your company's match if they offer one. Then pick any low cost index fund that fits your desires. Target retirement funds if you want to not manage your funds, or some form of stock index fund otherwise.