<prompt> Human: I am about to graduate, and I am going to be working somewhere with a 50 match up to 6 of salary. This sounds great and all, but I have no plans to stay in the US for longer than the next few years. Should I put it into a 401k and take the penalty or just invest it on my own? When I did the math, after 10 and 20 witholding, I would end up with 5 return from employer match.  <response>: Your employer match may be subject to a vesting schedule, so you should look into that as well. 