<prompt> Human: Its a super low expense ratio Vanguard fund. Also, if I plan on leaving this job before I vest 3 year cliff vesting, should I contribute? Assistant: How much are you contributing? How much do you make? Do you have other accounts that you can leverage first?Human: I planned on contributing 6 to get the whole match. No other accounts really to leverage, unless I open my own IRA. I make around 120kyear. Is 40year a lot for a maintenance fee?Assistant: Think of it this way. Your company is giving you free money that is covering the fee more with the match.Human: Right, but what if i leave before the cliff vesting?  <response>: Then you lost what amounts to a meal for 2 at an applebees once per year. However, your money will have grown anyway so you still come out ahead. Stop thinking about it just max your 401k and enjoy your life. 