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Should you depart before vesting, you have other options besides a 401(k) — like a traditional IRA or a Roth. (Photo: iStock)

People who are working at jobs they expect to last only a short time still have to think about retirement—but whether they should go through all the aggravation of opening a 401(k) if they only expect their employment to last a little while is a question they may just ignore.

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