<prompt> Human: Im 22 years old, and lately have been incredibly interested in personal finance. Within the next few years Id like to start a stock portfolio, and investing wisely so I can hopefully have a financially secure future and more. What is some helpful advice for someone new getting started in this? Whats a good starting point? Assistant: I like Scott Adams financial advice:1. Make a will.2. Pay off your credit cards.3. Get term life insurance if you have a family to support.4. Fund your 401k to the maximum.5. Fund your IRA to the maximum.6. Buy a house if you want to live in a house and can afford it.7. Put six months worth of expenses in a money-market account.8. Take whatever money is left over and invest 70 in a stock index fund and 30 in a bond fund through any discount broker and never touch it until retirement.9. If any of this confuses you, or you have something special going on retirement, college planning, tax issues, hire a fee-based financial planner, not one who charges a percentage of your portfolio.Human: if your company matches up to 5 for 401k is there any reason to put more money into it? or go right to Roth iraAssistant: Basically the same difference, AFAIK. Its certainly easier to increase your office contribution than go and set up a new account.There are limits to how much you can contribute to either one, based on how much you earn, I believe, and whether you are over under 50 years old.Human: Im currently 23 and I make just under 100k. student debt almost done. so max out both and maybe put more info 401k?Assistant: Man thats a good deal. What job do you have?  <response>: software 