<prompt> Human: Hello PF!I am rather new to 401ks. My Job offer with my current employer listed the 401k as401k with 20 match of employees contribution subject to change amp; over 120,000 10 match 6 month waitIm reaching my 6 months with the Company, is this a pretty good or pretty bad 401k?  <response>: This is mediocre, however it is free money. Not good, not terrible. A match is better than no match, think of it as an instant 20 return. I would definitely utilize it to get the match. 