<prompt> Human: I have an employer match of 25 of what I put in up to 6 of my pay. Right now I put in that 6 pay. I have a student loan that I dont have to start making payments on until 2015 although I wouldnt mind knocking it out before then 5,249 at 3 interest. The interest doesnt start until 2015. I have a car loan through my credit union at 4.75 of 8,732.49 on a 60 month plan payments - 167mo.I dont make a significant amount of money, 17.50hour full time with partial benefits. My father is helping me out with the school loan some.Is it okay to be putting money away in my 401k? I figure my returns on it overtime will significantly outweigh the low interest rates on both of my loans although I havent done the math.I dont have any other debt, I use a credit card but pay it off in full each month to help build my credit. Otherwise, thats everything above.  <response>: Employer matching in 401k is far and away the best investment you can make except if you are risking default or some other adverse financial event.In your case, youre getting an instant 25 risk-free, guaranteed return on investment. Thats without even getting into compound interest. 