Company is Google if that makes a difference. Can I move it to a later paycheck till after my 401k is set up? Does Google set up a 401k before my first paycheck? I'd love to avoid giving uncle Sam an interest free loan if possible.
Another question so there are no loose ends... Google will match any dollars that go into my 401k yeah? It's not just base salary / bonus dollars?
50% of any pre-tax/Roth dollars (but no match for after tax). If your contribution is under some amount (I think it's 3000 but I could be off), the true-up match percentage is higher.
Sign on in first paycheck. No idea about relocation. Depending on when you join you may be able to change your 401k election in time before the first paycheck. Google needs you to change the election the Wednesday of week prior to paycheck Friday. So for example if the first paycheck was next weeks Friday, you can make changes until tomorrow 11pm in vanguard. If you joined the same week on Monday & completed the necessary workday actions before Monday evening, you'll have access to vanguard by Wednesday morning, in time to change election%.
Brilliant! This is exactly what I was looking for. Thanks!