As an immigrant in the U.S, your 9-5 is one of the tools you can leverage to create financial freedom. This is how I am using it . What is a 401k? It’s an account that your company offers to help you grow your retirement savings and you can aim to match whatever they are contributing to it annually . The goal should be to max out your 401k each year if possible. This isn’t possible for everyone - so contribute as much as you can but aim to max it out . In 2024, the cap on the amount you should put into your 401k is $23,500/yr. Max out means, you aim to put that entire $23,500 if possible or at the least, match whatever your day job is contributing. Companies can contribute anywhere from 4%, 6%, 10% etc . What is ESPP? - this is an employee stock purchase plan. Some publicly traded companies offer discount on their stocks that range from 5% to 15% or maybe lower / to their employees . If you are an immigrant moving to the U.S with intentions of working in corporate America OR,...