<prompt> Human: I placed 100 into SP 500, but if anyone has any other better allocations, please let me know!Assistant: If those were my fund options I also would have chosen to put 100 into the SP 500. You may want to consider opening a Roth IRA and use it to choose cheaper international funds. Human: My 401k matches 40 up to IRS max. So if I put 18k, they put 7K Its hard already to max my 401K after paying debts and trying to save for a weddinghouse. Salary is only 50K  <response>: Well thats not a problem. It sounds like youre on a good path so just look into opening a Roth IRA eventually when you feel like you can afford it. I would be putting everything towards my 401k too if I had a 40 match. 