It’s easy to put off saving for retirement, especially during the lower earning years of your career. However, it’s critical to remember that no matter how little you’re earning, it is never too early or too late to start contributing to retirement accounts like a 401(k). Whether you’re balancing debt repayments, building up an emergency fund or prioritizing other financial goals, it can still make financial sense to contribute to a 401(k). How Much Do You Need to Earn Before Contributing to a 401(k)? There is no set amount you need to earn to begin 401(k) contributions. This means you don’t have to wait until your earnings increase to kickstart your savings. You do have the freedom to decide how much of your income goes into your 401(k) whether that’s 1% of your salary or 15% or more. The ultimate consideration is how much you can afford to contribute after factoring in your other expenses and financial priorities. While it’s recommended people contribute 10%-15% of their income to a 401(k) annually, do what you can afford. Contributing any amount is better than contributing nothing and