<prompt> Human: I can only keep the amount after reaching my 5th year. Im 22 years old. I just got my degree and have been with the company for a little over a year now.This isnt exactly my dream career, and while there is room for decent advancement, Im not sure if its worth devoting the next 4 years of my life to. Is it worth it?  <response>: Typically a 5-year vesting schedule has partial vesting in each year, so that you keep 20 of the match after the first year, 40 after the second year, etc.The IRS does not allow a 5-year cliff vesting schedule. 