<prompt> Human: Basically this question. 22, no debt, 40k salary, 16k in savings and 11k in Roth and Traditional combined.Starting this year as of January 2015 Im maxing out my Roth IRA. I have a traditional that I dont and cant contribute to that was rolled over from my last companys 401k plan.My company offers 401k and investment options, including ESOP which I wouldnt benefit from unless I stayed here more than 2 years. My employer does not offer matching on the 401k, but should I still take advantage of the pre-tax savings? And if so, how much would make it worth my while?Provided I pass a certification exam in December, my tenure at my current company will not be more than another year because higher earnings potential, at which point I could just roll it into my Traditional IRA.  <response>: Yes 