Hi there,

I just joined a company that that gives me an automatic 3.5% to my 401K and, additionally, matches a 100% of my first 6% contribution.

I am planning to stay in the US for a couple of years and then cash out my 401K and bring it back to Spain to spend it (probably in a house). I know there is a 10%? Penalty for early withdrawal and then the taxes. I guess that if I opt for the Roth 401K this taxes part wouldn't apply, but I also read something about cashing it out once I'm back in Spain to avoid the taxes. Anyhow, I was wondering if still after these retentions it would be worthwhile contributing whatsoever. As you folks can see I'm a newbie and would appreciate any help!

Thanks in advance

Antonio