<prompt> Human: I started working private security for Microsoft in 2016 which offers a 401k and its to my understanding they match a good amount of what you put in but to be honest I dont understand anything about it! I just turned 20 and this sure as heck wasnt ever learned in school surprise. Thanks in advance!EDIT: Wow, thanks for the great info guys! I definitely have some studying to do but all in all some fantastic responses.  <response>: Go to Khan Academys website and take their 401k course. Its about 20-25 minutes of lessons that perfectly explain a 401k and how it works, with helpful examples as you go along 