<prompt> Human: Sorry if this is a stupid question, but I got my first job and signed up for their 401k program. Some people said that I shouldnt have done it because they can hold my money for a year before rolling it over, and another person said that they dont have to give me the money. Ive been their for 6 months, and I dont plan on staying for much longer. I know I have the option to roll it over into an IRA account, but is anything they say true, can they hold it or not give it to me? Is using the 401k option viable if Im there for less than a year?Im in Texas if that means anything.Sorry for any typos, Im on mobile.Edit: thank you all for the info. I truly appreciate it. Ill keep the 401k going because its tax deferred and roll it over when I leave.  <response>: No, after you quit the job, they are required to allow you to rollover the funds to your own IRA.If youre getting a match, a 401k is always worth it. If youre not getting a match, then perhaps focus on saving in your own Roth IRA first 