<prompt> Human: I am 21, no student loansdebt. Just started my first full time job that pays about 100kyear. Is it worth talking to a financial advisorRIA to plan ahead and figure out where to put money and how much? For example, my company doesnt match 401K at all the first year, so Im not sure how much to put in.  <response>: General order of things:1 Save up an emergency fund in a high interest savings account 1-2K2 Max employee matching on 401K since yours wont match yet, skip this one3 Pay off any high interest debt Higher than 44 Save up more in an emergency fund 3-6 months worth5 Max IRA6 Max 401K7 Invest8 Pay off lower interest debts 4Somewhere in-between 5, 6, 7 is save for any savings goals. 