Oh sweet mother of fuck , don ' t be hurt Vontae . <| sep |> Haha idk why some of the bloggers are still so obsessed with him <| sep |> Your 401 k contributions get invested into financial markets , usually in low risk low interest securities . So you can make quite a good return over the course of 40 years , but with the small chance that if the markets are low when you retire and need to start pulling out funds , you would possibly be making a loss . That is most unheard of though . <| sep |> kids are fucking gross <| sep |> I use a calibrated Qnix 2710 LED for my editing and I have zero complaints . $ 250 shipped and it ' s flawless . As for specs of the actual machine you ' ll need ram , cpu , and gpu in that order of preference . The gpu is utilised in video rendering and some blur effects and 3 d modeling but is generally not really used in Photoshop although it slightly helps in LR . Ram and cpu however are where the action is with Adobe products and 16 gb will serve you very well 32 gb is double the ram for about 8 % boost in performance .