<prompt> Human: I noticed the link to this infographic was removed from the original postAssistant: Does your job have a 401k w matching?If so then youre skipping ahead. This is a good graphic.Human: They have a very lousy 401k matching. Might as well not match at all. I was thinking of opening a 401k with them but should I? I was thinking the money would be better put all into the Roth IRA like the picture I posted, rather than a lousy 401k program.I also have no debt, thankfully. Thanks for posting the graphic.  <response>: Theres no such thing as bad matching. Its free money. 