<prompt> Human: 30 yo single male who hasnt been saving for retirement. Current employer offers a 50 match for whatever I put in. If I max out my 401k by contributing the 18.5k, my employer will add an additional 9.25k.I have my emergency fund, 0 debt, and dont have any interest in buying a house anytime soon maybe 10 years out. The thing is I only make about 60k right now rent is over 1000 in my area. I can see myself making 70-100k in the next 5-8 years.Should I stick to the 15 rule or live very frugally the next few years while maxing out my 401k?Edit: Also, does my 401k have to be funded right out of my paycheck - or can I add in money I have earned this year?  <response>: Max it out, no other investments will get you 50 risk free. Even if you have to do early withdrawal you will probably still come out ahead after the penalty 