<prompt> Human: Hi everyone! I just interviewed for a new job and basically everything went great, except that they dont offer 401K match until youve been with the company for 2 years. I only make about 50,000 pre taxes and try to contribute as much as I can at current job which matches 7 I currently am contributing 12 6 each to a regular and roth and could probably go a bit higher if I end up staying. The new job is a great opportunity and I expect I would be there beyond 2 years at which point they have slightly better 7.5 match . It is a top company in a field Im trying to break into and would be great opportunity for future growth or on my resume for future moves, but it seems like Im missing out on quite a bit of money in the next 2 years. Is it crazy to pass up on two years of 401K match, or could a great opportunity outweigh that. Somewhat related second question: Should I increasemax out my 401K contributions before thinking of investing elsewhere? I got this advice recently and it seemed somewhat logical but also counter to the idea of diversifying investments, and I was eager to try some investing with a few thousand dollars I have in my savings to start learning the ways and was disappointed to hear that advice.  <response>: Use the money you would contribute to the match and put it into your Roth IRA. I dont suggest passing on the job experience or income just because the 401k is out the window for now. 