Confused about your 401(k) vesting? Here’s the simple version 🔐 Your money = ALWAYS 100% yours.�Your employer match = sometimes you have to “earn” it by staying long enough. 3 common vesting schedules: ✨ Immediate vesting�You own 100% of the match right away. ⏳ Cliff vesting�You get 0% until you hit a set work anniversary (usually 2–3 years)… then boom, you’re 100% vested overnight. 📈 Graded vesting�You earn a % each year (ex: 0%, 20%, 40%, 60%, 80%, 100% over 6 years). If you leave early, you