Negocios

The 401(k) Decision

A 90-minute, 4-round Express simulation on the first two years of a first salaried job: the 401(k) contribution and the Roth choice, the employer match and its vesting, and the order in which a paycheck pays a credit card, federal student loans, an emergency fund and retirement.

4 rondas MBA / Máster English, Español

Vista previa

Sobre la simulación

A 90-minute, 4-round Express simulation on the first two years of a first salaried job: the 401(k) contribution and the Roth choice, the employer match and its vesting, and the order in which a paycheck pays a credit card, federal student loans, an emergency fund and retirement.

For personal-finance and financial-literacy courses at Hispanic-Serving Institutions, introductory finance, career-transition seminars and early-career employee education. Bilingual EN/ES.

Alameda Ridge Diagnostics (a fictional clinical-laboratory network in Albuquerque, New Mexico): as Nayeli, a first-generation graduate hired at $51,000 with a 24% card and $27,000 of federal student loans, you decide the contribution and what to do with the card, how to repay the loans and where to keep an emergency fund (with the plan's student-loan match and emergency savings account), how to pay for a broken transmission and what to do with a raise, and when to accept a better offer and what to do with the 401(k) you leave behind.

Scored on net worth, employer match earned, interest, fees, taxes and penalties, the emergency buffer and the credit score.

Para quién es

Una simulación de nivel intermedio para participantes que ya conocen los conceptos básicos de la materia, pensada para programas de máster y MBA.

Cómo funciona una sesión

  1. El docente crea una sesión desde el panel de Eureka e invita a los participantes.
  2. Los participantes juegan 4 rondas. En cada una envían sus decisiones y la simulación calcula los resultados. La primera ronda arranca con: Monday 2 August 2027: the contribution and the card.
  3. La simulación se puede jugar en: English, Español.
  4. El docente sigue el progreso y los resultados de cada participante desde el panel, y usa los resultados de la clase para el debriefing.

Decisiones que toman los participantes

Las decisiones que toman los participantes durante la simulación:

  • The 401(k) contribution
  • The $4,200 card at 24%
  • The federal student loans
  • The emergency fund
  • The $2,800 transmission
  • The 4% raise
  • Turquoise Trail's offer
  • The 401(k) you leave behind

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