<prompt> Human: I just started my 401k with prudential. They told me the company will match my first 500 dollars at 50 and my next 3000 at 25. Needless to say, these are annual matches and are fully vested for me. My question is that it is October now, so do I want to put a lot in there over the next three months or does the year for that 3,500 annual match begin upon my first contribution. I know its a basic question, but prudential told me to contact hr and my hr benefits line told me to contact payroll. So payroll never called me back probably because they are thinking, dude, I dont know...call benefits...  <response>: Most likely its based on the calendar year, but youll have to read the terms of your account to find out for sure. 