• Is my contribution pre-tax or post-tax?
• Is investing in the program the same as putting money in a bank?
• If I have another IRA in addition to the State's program, does the contribution limit apply to each separately or to the combined amount?
• If I do not have earned income, can I still join the program?
• If I am a work-study student, can I enroll?
• How will I know if I am nearing the annual IRA contribution limit?
• How long will it take to receive my money?
• How do I set up or make changes to my account online after I’m enrolled?
• How are my contributions made?
• How are employers notified when it's time to register for the program?
• Does the program secure funds deposited into employee accounts?
• Do other states have similar programs?
• Do all employers have to facilitate the program?
• Could having an account impact my eligibility for federal programs like SNAP or TANF?
• Could having an account impact my eligibility for college financial aid?
• Can my employer or the State take the money from my account?
• Can I transfer my money into another retirement savings account?
• Can I roll over another retirement plan’s money into my account?
• Can I opt out of automatic contribution increases?
• Can I make withdrawals or take money from my account?
• Can I make a tax-free rollover from a 529 (college savings) account to a NEST account?
• Can I have a NEST account plus another retirement savings plan like a 401(k) or traditional IRA?
• Can I contribute a set dollar amount per paycheck instead of a percentage?
• Can I connect more than one bank account or type of account?
• Can I connect a bank account to my account?
• Can employers match employee contributions?
• Are there measures to keep my account safe from cyber threats?
• Are there legal protections from creditors for my funds?
• Are there income limits to participate?
• Are there additional withdrawal restrictions beyond normal Roth IRA restrictions?