<prompt> Human: My employer offers a 45 match on all contributions to my 401k, up to the 18k personal limit. The general advice, Im aware, is that you are leaving money on the table if you dont take full advantage of the 401k match. However, Im only making 65kyear in an expensive city and I cant afford to put almost a third of my income into my retirement plan. My current plan is to prioritize my emergency fund and then shift those contributions to my 401k once I have a few months of expenses saved. I guess I should contribute as much as I can to my 401k, as its a 45 return, which is better than I could do in the market, but what do I do about other savings? Id like to save up for an engagement ring over the next few years and to treat myself responsibly to other expensive items. Should I just stuff that money in a savings account? Brokerage account? Contribute as much as possible to the 401k?Obviously I could live on 40kyear if I max out my 401k, but I really enjoy my career and I have no desire to try to retire before Im 40 or something crazy. Am I crazy?  <response>: Put as much in your account as you possibly can. Obviously if you have other things you need to buy, you have to do that, but you have an amazing opportunity that you dont want to waste. 