<prompt> Human: Hi Everyone, Ive just signed up for my employers 403b product. The contributions will not be matched 4 until October of this year. Im wondering if I should even contribute to the 403b yet or focus on building my emergency fund until Oct. Also considering choosing an aggressive product since Im far from retirement. I have no idea what to choose but Ill try to include all of the important info below: 29F, 45k salary After bills, I dont have much to save but I plan on contributing the full 4 in October. The products Im choosing between are: Target Retirement age 60: Access Lifecycle Fund 2050 T4. GrossNet Expense Ratio 1.321.20. Fund composition: 89 equities, 11 fixed income Target Retirement age 65: Access Lifecycle Fund 2055 T4. Grossnet expense ratio 1.361.20. Fund composition: 89 equities, 10 fixed income, 1 other CREF Growth Account. Expense charge: 0.65. Unit value 190. QCGRRX. Thanks in advance!  <response>: Most people would prioritize an emergency fund over retirement savings that arent matched, just be sure to set a reminder in your calendar and get your request to payroll in plenty of time to start in October and maximize your match. The expense ratios on those two Target Retirement funds are quite high. It would probably be worth your time to look at all of the funds that your plan offers and build a portfolio of cheaper funds that mimic the target retirement fund to see if you can bring that ratio down. You can see that they are suggesting 89 stocks and 11 bonds, so look for a cheap bond fund to put 11 into and then a cheap total stock market index and international stock market index to split the rest of your contributions between. The Wiki has some suggestions on self-built portfolios. 