Hilda works for her state government. She receives a standard package of government benefits, which includes the ability to contribute to a retirement savings account. She signed up for the account when she was first hired, and her contribution has been auto$-$deducted from her paycheck ever since. Because the money comes out of her paycheck pre$-$tax, she doesn't even notice that it's gone. Hilda's $$ makes it easy for her to save for retirement without the headache of having to manage monthly payments.

$$ IRA

company matching

$457$ plan

vesting period