401 K is a taxadvantage retirement scheme , but it ' s not like a pension because the employee takes the investment risk . If I put 7 % of salary into my 401 k , my employee gives me an extra 3 . 5 % of pay on top of my salary and puts it into my investment account , where I can invest in certain funds . This is all pretax , so we have to pay tax in the future when it comes out , but you get to delay paying the taxes for decades . <| sep |> Makes sense . Maybe I will just cut the Blessed Alliances in the SB for more counter magic as there is little aggro in my meta . <| sep |> Drop the water cooler . They generally don ' t make a good amount of difference , and only silence the system . Also , invest in a large capacity SSD . you can get 960 GB SSDsN 82 Etel for ~$ 250 . And a lot cheaper for smaller capacity drives . A good SSD will help with rendering more than more RAM , at least to a point . The other option ? Check ebay for used systems . You can find a system with the v 1 or v 2 of the processor listed E 52600 series for $ 600800 .