# Employer's 403b and 401K

**URL:** <https://community.clark.com/t/employers-403b-and-401k/255>\
**Category:** Retirement\
**Created:** [April 1, 2022, 1:47am UTC](https://community.clark.com/t/employers-403b-and-401k/255 "2022-04-01T01:47:21Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![besimon](https://avatars.discourse-cdn.com/v4/letter/b/45deac/32.png) [@besimon](https://community.clark.com/u/besimon)\
**Post date:** [April 1, 2022, 1:47am UTC](https://community.clark.com/t/employers-403b-and-401k/255/1 "2022-04-01T01:47:21Z")

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I am 62 year old, have a full time job, second job where I work on call/services as needed on the weekends, just resigned from the county after nineteen years. I owe on my mortgage is $153,000.00, financed loan for a new roof, HVAC at $54, 000.00. County 403b amount is $94,000. Second job 401K is $135,000 and I have a retirement with second job. Any advice for my finances?

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**Author:** ![butler](https://avatars.discourse-cdn.com/v4/letter/b/ac91a4/32.png) [@butler](https://community.clark.com/u/butler)\
**Post date:** [April 1, 2022, 3:46am UTC](https://community.clark.com/t/employers-403b-and-401k/255/2 "2022-04-01T03:46:35Z")

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Are you saying a new roof and HVAC cost you $54k?

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**Author:** ![besimon](https://avatars.discourse-cdn.com/v4/letter/b/45deac/32.png) [@besimon](https://community.clark.com/u/besimon)\
**Post date:** [April 1, 2022, 4:25am UTC](https://community.clark.com/t/employers-403b-and-401k/255/3 "2022-04-01T04:25:07Z")

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Yes, live in CA, when I brought the house, it had a flat roof not pitch, no air conditioning. The only bills I have is the mortgage and finance payments through county assessor.

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**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\
**Post date:** [May 5, 2022, 11:57am UTC](https://community.clark.com/t/employers-403b-and-401k/255/4 "2022-05-05T11:57:36Z")

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How is the money invested? Are the employers matching? Are you going to wait until 70 for Social Security? (My hunch is you should, as you have insufficient saving)