<prompt> Human: I can feel you balking at that statement, dont worry, its just for the well, I just started like this week rest of this year and next year. Now, employees do have a finances guy we can talk to at the Edward Jones down the road. This .. greatly intimidates me, and since I already know what Im trying to do, dont really feel like interfacing with a human to take care of this admittedly short-sighted fiscal strategy that I have to employ this coming year. getting a car and personal debts are the 1 priorities at the momentSo basically the actual question part:1 Ive set my contribution amount to 0 online. This means that 0 dollars will be taken out of each of my checks for the account, correct?2 My company has a 1,000 cap on yearly match contribution, is this a lower amount than what is seen on average? my friend flat-out said this was a bad 401k, although his is unusually baller, so make of that what you will.TYVM!  <response>: Your employer is trying to give you free money and youre saying no.What are your expenses and income?How much do you plan to spend on a car? You can buy a used reliable car, I think the sweet spot is around 8000 if you ask me. But you can certainly spend less.List out your debts, monthly expenses, income, and find ways to cut your spending. 401k matching should be the last thing you cut.Even if your 401k sucks, youre still turning down free money. Even if your funds lost value yearly youd still end up ahead because your company gave you free money. 