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Story summary
- A U.S. CNBC employee marks six years as his 401(k) contributions fully vest at month’s end.
- In March 2025, 70 % of workers have defined-contribution plans; in 2024, 81 % offered matches and 41 % non-matching contributions.
- IRS permits three-year cliff or six-year graded vesting; PSCA reports 44 % immediate, 17 % cliff, 39 % graded matches.
- Jeff Judge urges workers to know their vesting schedule before moves, noting CNBC’s “How To Talk To People At Work” course.
