<prompt> Human: I recently started a new job and it comes with a 401k with some sort of matching program from the company. This is my first full-time job with benefits and I dont really know anything about 401ks except they are a sort of retirement investment used instead of pensions. I have just under 11k in debt I am planning to pay off over the next three years and between that and my living expenses I dont know how much I will be able to afford to save. I dont have any credit history not even sure if that matters with a 401k. TL;DR should I start putting money in my 401k now? Canshould I wait? Is there a minimum amount I can put in? What exactly is a 401k and will it complicate my taxes? EDIT: OK, OK! I will take a look at the plan my company offers and if I can meet the minimum payment to get matching from my company and still make my loan payments I will enroll. Thank you all for your advice :  <response>: Only if you want to be rich when you retire. If you want to eat dog food when youre in your 70s, dont worry about it. 