<prompt> Human: See image of the available funds: nbsp;Im entirely new to 401k. I just started contributing and I am 29 years old, turning on 30 soon. I worked at the same company for 3 years now and just started 401k. I wish I had earlier, but I did not. The company offers 100 matching up to 4 contribution, and extra 50 for the next 2 contribution.nbsp;I only contribute 1 at this time, because I am not bringing home enough cash, so I need to start 401k now and keep it at minimum. However, the company is looking at pay raise this year as we recently acquired another company, so we are growing as we will look at pay rate changes. So when the pay raise kicks in, I will be upping my contribution.nbsp;The yellow highlights you see in the image above is what I have contributed to. I am contributing 51 of my 1 to Vanguard, the 49 to the other, to State Street SP MidCap Index Fund. I realized all the funds seem to be Index Funds only?nbsp;Couple things I can say I understand for sure is that I am using Roth 401k, I chose the low ER, hence the reason why I chose 51 to Vanguard.nbsp;Any insight, tips, guides would be greatly appreciated. Im not even sure if I have the greatest selections, especially that it appears all of my choices are index funds.Assistant: Whatever funds you choose, you should really consider contributing up to the match, which is 6. You are giving up so much free money by not taking advantage of the match!Human: I agree! Its hard to up my contribution when I need to take home more cash. When time comes, I will definitely up my contribution.  <response>: Re-evaluate your budget and make it work. You are leaving so much money on the table by not taking full advantage of the match. 