text: should i enroll in 401k plan? i am from another country and have a great job in usa. my company has an excellent 401 k plan. we will probably be going back home after 10 years or so, so i was wondering whether i should enroll or not. would i be able to get my hard-earned money if i'm living outside usa?  how would it all work? yes, you should. as long as the company is contributing as well. if the company isn't, it might be better for you to invest in something else. you would be able to cash in your 401k in 10 years, there will be a fee, but it still would be worth it.