<prompt> Human: Hey, I am trying to figure out if I should be saving for retirement now, or just wait until after I finish medical school.Currently I save 100 a month in a 401k I have about 12k in it now. The thing is...I have a family and the extra 100 a month is worth a lot more to me now than it will be later. Should I just wait until I am in my early 40s when I am making a lot more to catch up?So basically I would be putting off any retirement funding for at least 7 years and would begin in my early 40s. I can only realistically contribute 8,400 over the next 7 years. I also will have about 200k in debt to pay back after school. Feels like I am never going to be able to save for retirement. I will be in my 40s before I am out of debt.  <response>: I also will have about 200k in debt to pay back after school. This is the clincher right here... Heres what Id do, in order:1. Look at your income and expenses2. Find out the interest rates on all your student loans.3. Contribute up to the company match on your 401k company match is literally free money, dont pass it up.4. If your student loans are 4 APR, go the snowball or avalanche route4. If your student loans are 4 APR, pay minimums and contribute as much as possible to 401kMore information 