<prompt> Human: So Im starting a new job on Monday. The company is top of the industry and offers a ton of perks. One of the perks is 401K matching and like the title states, they will match 150 for the first 7,500 I contribute. Afterwards they will match 100 for the next 7,500. I am relatively financially illiterate and trying to slowly improve that. When it comes to a 401K, do I have to open an account within the company, or my personal bank? Is it unwise to have a 401K and an IRA as well? Also, my salary will be 60K with potential for big bonus anywhere from 1,000 - 20,000. This salary is already 20K more than my previous, and I was already getting by okay with that. Any advice on how to use that money wisely? I know its not good to sit in a savings. I definitely want to aggressively pay down my down my debt first, but after Im open to anything! I have:22K student debt600 in cedit card debt from few months I was unemployed575 Rent180 Car insurance Im less than 25 years old130 in phone bills two phones200 in gas and Electric billsThat brings my monthly total to around 1,145.I know nothing about investing but want to learn. Any advice on what do do or where to look so I can be financially responsible and literate? Thank you!  <response>: Put enough into your 401k to get maximum match. If my math is right, if you put in 15,000 you get an immediate 125 return on your money, far higher than youll get anywhere else short of luck. 