<prompt> Human: Im 22 years old and about to graduate from college in May. With the impending student loans about 32k about to come, I have been getting a lot more serious about my finances and this sub has helped a lot. One thing I keep seeing is talk about retirement, 401ks, etc. and its something I would like get started on soon.My current job retail, mostly part-time, but I usually get full-time hours on school breaks offers a 401k plan with some matching. I want to say they match up to 3 but the paperwork isnt super explicit. On one hand Im thinking itd be silly not to take advantage of this and the sooner the better, but on the other hand would I be putting the cart before the horse? After I graduate, I will be looking for full-time jobs that fit within my field of study so I could only be with this company for maybe 6 months to a year or two longer. If I were to set it up now, I would do 5 of my income, which I recognize isnt a whole lot, but its enough to say Im getting started.So my question is would it really be worth it to start now or should I just take a chill pill and wait? If I should wait, when is a good time to start? After settling into a full-time job? After paying off student loans?Thanks in advance for all your help and sorry if this is a silly question! Let me know if theres any helpful details I left out and should add.  <response>: You should at least try to get as much match as your employer will give you - thats an immediate 100 return on your money. You can roll over your 401k when you change jobs. Beyond that, Id focus on building up an emergency fund and paying down any loans over 4. 