<prompt> Human: Im 25 years old, and worked at my job for 19 months now and just NOW setting up 401kshould have at my 1 year mark. I was wondering what is the best way to go about it. I dont understand employee deferral catch up contribution or roth. It will go from 1-50 of my check I believe. Im literally stupid when it comes to finance and what everything means. What are some good things to put into my 401k and what would be the best? After taxes each check is just over 920 it sucks! and I have a car payment of 320 and school loans of 117 and 210. Thanks for anyone who does help me!Assistant: Does your employer match any part of your deferral? Meaning if you choose to contribute will your employer also make a contribution? Human: They match up to 5  <response>: You need to start putting in 5 ASAP then. 