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Oh. That seems like such an arbitrary decision. I don't understand the reason as to why I have to wait a couple more years. Most people my age aren't forward-thinking enough to even consider a 401(k).

Does anyone know why you have to be 21? I understand the 1000 hours as that shows commitment, but why can't you sign up if you're over 18? Is there some legal reason? HR couldn't give me an answer.