<prompt> Human: My jobs matching contribution is a 20 deferral up to 5 of your pay, for a max match of 1 of your pay. I have no idea if this is a good deal and Im not understanding how much I should put in at all. I just started using mint.com and after budgeting I dont have very much to save so I have to figure out if I can even afford to max invest with this.  <response>: Its not great, but its something. It means that if you contribute 5 of your salary to your 401k, your company will kick in the equivalent of 1 of your salary. Its an immediate 20 return on investment, so its worth doing if you can spare the money. 