<prompt> Human: Background: Im 25 and graduating in May from Georgia Institute of Technology with a bachelors in Industrial Engineering. I have just received a job offer from a start-up company 10 employees for a data analyst role with a starting salary of 70000. According to my programs salary report, graduates in 2017s Spring and 2016s Spring Fall class received a median of 68000. Upon finishing my course study, I have roughly 30000 in student loans. I plan on marrying my now girlfriend in the near future 1-2 years and weve discussed our financial situations. Together, were looking at roughly 70000-75000 worth of student loans. We plan on living off of her salary 40000 and using whatever salary I receive to pay off the student loans aggressively. Im going back and forth with myself on whether or not I should accept my first job offer of 70000. Its a nice starting salary and I could make a huge dent in the student loans quickly, however, I want to think about savingsinvestments for our retirement and thats where the problem lays. The company pays 100 for health insurance, but doesnt have a 401k program set up. With other more established companies, 401k programs are put in place and they also offer some sort of matching, but their initial salaries may not be as high. Do I take the guaranteed 70k with no savings plansbenefits and aggressively pay off our student loans for the next 3 years or do I take my chances with the market and hope to receive another offer with potentially less base salary 55-65k but with 401k in place? I still have a little bit of time in terms of searching for a job since I dont graduate in May, but its nice to know that I have a guaranteed job now upon graduation. The non-monetary benefits of the company could potentially be me moving up within the company faster since its a new-ish start up and there arent many employees. Im new to the personal finance scene and was hoping for some advice with my situation. Also, I have read a little on ROTH IRAs and was planning to max that out regardless of where I end up - its just nice to have both ROTH IRAs and a 401k plan to contribute to, right? Any advice on whether or not I should take this job or just laying out more proscons that Im not considering at this moment would be deeply appreciated. I have to let the company know my decision within the next half week.  <response>: Like another commenter said, you can accept it now and find another job you like more later.If youre going to max out a Roth IRA, I dont see the harm in foregoing a 401K for at least a few years, especially when its to pay off your student loans.Plus, free healthcare, and I assume shares in the company, that could be worth something some day. Those are definitely potentially decent perks. 