<prompt> Human: So my employer does a 25 matching on every dollar I invest into my 401k with a limit of 4k so they would put in 1k, I have a high interest loan of 14 on 7k in debt. I have just started saving for retirement and only have 600 saved. Would it make more sense to dump more into my 401k and then possibly take a loan out at a really low interest rate to pay off that 14 interest rate or to pay the loan off as fast as possible? updateI forgot to mention the 401k is vested over 5 years and I am unsure if I will be with the company Im with for that longHere is the vesting schedule: 2 years 20 3 years 40 4 years 60 5 years 100  <response>: Pay off the 14 loan first! The 401k vesting is a guaranteed 25 return... only if you stay for 5 years. Paying off the high interest loan is an immediate 14 return.Pay off the loan, then try to get the 401k match. 