<prompt> Human: Hello I am 24 and about to setup my 401k plan at work but just got word that they only match 20 cents to every dollar. I am thinking that the 401k plan would not even be worth it with a 20 match and that I would be better off maxing out an IRA with 5k every year instead and with the leftover investment funds going into broad market index funds. What do you guys think?Any advice would be much appreciated, thank you!  <response>: Its an immediate 20 ROI! You couldnt beat that on the market if you tried. Id fully fund a Roth IRA and aim to put at least 15 in the 401k. After you hit the 17k limit then think about taxable investments. 