<prompt> Human: So I have followed this reddit for some time as well as some others.My current situation is that I am living on less than 1k a month, and get about 4k income after tax, I have:23 years old. Emergency fund: 5k Checking Account:5kDebts- Credit card 0 till May: 4k- Student Loans: 11k- 3 ranging from 4.5 to 5.5So I have been following the advice on here, and planning on making 2k payments a month on student loans and should be done by JulyAugust, and getting rid of that cc debt. I am also contributing to a ROTH Ira. Already matching company 401k contribution percentage.The next step is clearly max out 401k My concern is the following, I started this job my first out of college about 5 months ago, but I am having a hard time seeing myself in it past 2014, lots of hours, 60, far from home, also very easy to get fired here Maybe I will be more accustomed and used to it, and last a few more years but either ways its not the kinda job I see myself doing in the future. And so a part of me prefers to go back to my home state in hopes of finding a job near my family. Id like to be ready for either case depending on how my priorities evolve as I am also aware this college to real world transition has this effect on people.So should I still max out my 401k, or instead save that money to have the option to take a different lifecareer decision at the end of my 1 year employment. Also, I keep seeing that its not worth it to pay your student loans so quick, if you think I shouldnt, tell me your logic.Thanks! Any thought and advice will be appreciated.  <response>: Also, I keep seeing that its not worth it to pay your student loans so quick, if you think I shouldnt, tell me your logic.Paying down your student loans at 4.5-5.5 is risk-free, guaranteed return at that interest rate. Would you buy a treasury bond at 4.5 or 5.5? I would in a heartbeat. Paying down the loans ASAP is a good idea.So should I still max out my 401k, or instead save that money to have the option to take a different lifecareer decision at the end of my 1 year employment.Theres nothing wrong with not maximizing your 401k contributions in favor of building up short-term savings for a move or career switch. 