<prompt> Human: Ive been working since I was 18 and havent contributed anything to my 401k. Im finally in a spot where I can start, but as you guys know, this shit is complex for new comers. Im roughly bringing in 26k a year and my expensesluxuries are hovering around 980 a month. A couple things in collections that amount to about 200 dollars total debt. No debt otherwise. If I put in 6 company will do 3 maximum. I want to play catch up so my first thought is just throw in 25 a month, but I need to get health insurance this year. Obama Care penalties are killing my income tax returns now. I have about 6k in emergency fund and I rent my place. What would you guys do? This shit gives me a headache and I dont wanna avoid this for another 12 years. I read the How to handle thread which is how I got this far since Dec 2015. Still on the fence about future choices.Edit: I only have 200 dollars in collection debt. Im not paying on the 200.  <response>: Just a post of encouragement! Its great youre starting at 30; I waited until I was 40 or so before starting. Best of luck! 