<prompt> Human: Hi rpersonalfinance! Im 21 years old living at home paying 200 a month to my parents for rent with 1,000 in card debt which Im having no trouble paying off and 6,000 in my savings and no student loans. I started my new job in March and my probationary period is about to expire which is when the company will start taking a certain percentage of my untaxed income and put it in a 401k which they do not match. I was also just bumped up from 18 to 19. My question is how much of a percentage should I be taking out and putting in the 401k? I was advised by my father that I should take out 20 but I was thinking more around 5-6 so Im taking home a similar amount to what I was taking home during my probation period to put in my savings. What do you guys think? Thanks!Edit: Ill be paying card debt off between this month and next month since I have a scheduled payment already set up for this month. Thanks for the advice guys!  <response>: Pay off all credit card debt first. Then I agree with 20 