<prompt> Human: Just started a new job, making 85kyr. Fortunately Im lucky enough not to have student loans to pay off. Im currently trying to figure out how to invest money for retirement. The company I work for offers a 401k and a Roth 401k, and does offer a match of 50 up to the first 6 of my income that I put in. However, the match is vested at 0 until I work for 2 years at the company; when 2 years rolls around, its then vested up to 20 and gradually increases each year until 5 years, where its then vested at 100. My question is that since Im young, theres a non-negligible chance that I might leave either at 2 years or less. Given that, is it still worthwhile to invest in a 401k? Or should I fund an IRA? Or both?Also if anybody has any advice on what to look out for, Id really appreciate it. Thanks! :  <response>: Even hitting that 20 is a great return. So the worst case scenario is that you save money for retirement and dont hit the 20. I fail to see a downside in going for the match. 