<prompt> Human: I just started up my 401k and Im now at the stage where I choose the pre tax contribution. I make over just over 33,000 a year right now, and I want to make sure Im not shorting myself per paycheck. Assistant: Does your employer match anything? Youll want to capture as much of the match as you can afford to.Human: They do not unfortunately, Im just looking to start off so when I move to another company Ill have something saved up already.  <response>: Then you may want to open a Roth IRA instead, which will afford you more options and probably though not definitely has better expense ratiosfees. 