<prompt> Human: Hi all, Im 23 years old not making a lot of money 30k but Ive managed to save up about 11k as an emergency fund. Is there a point at which I should start putting money into a 401k? My employer offers it but doesnt offer any matching contribution. Or is it safer to just keep my money readily available?  <response>: 11k is probably a good emergency fund for you. if life changes marriage, kids, house youll probably want to save a bigger emergency fund. if there are no other reasons to save, Id start investing in a 401k or Roth IRA right now for your retirement. if youre buying a wedding ring or saving for a house down payment etc, maybe make that the short-term priority over the 401k. but dont wait too long, the younger you start investing the better. 