<prompt> Human: Hi rpersonalfinance, I just started my first full-time job 2 weeks ago! My employer matches 50 of 401k contributions up to the 17500 max, so if I can contribute that much I get a free 8750. However, contributing that much to a Roth1 401k would require me to contribute 80 of my paychecks for the rest of the year.I have 21K in my bank accounts, no debt, and 3000 in monthly expenses. That cash should cover my expenses through december 4 months3000mo 12000 total, and a 5.5K contribution to my Roth IRA. That will leave me with 3.5K plus the 20 leftover from my paychecks. That would pretty much drain my emergency fund, but I have 40K in a taxable investment account originally a UGMAUTMA that I could tap into if absolutely necessary.Is this needlessly risky? I dont want to miss out on that 50 match, but I dont want to put myself into a dangerous situation either. Let me know what you think.1 Im only 22, and since Im only working 4.5 months this year it seems like a no-brainer to go with Roth instead of traditional.  <response>: Since you get the employer match on the 401k you should contribute as much as possible to that before even thinking about the 5.5K IRA contribution.Since youre just starting a job how do you already have 3k a month in expenses? 