<prompt> Human: Im 21 working a part time job while in college so I only make like 10,600 a year total before taxes. Ive been contributing the max for my 401k and now the company is going to match as well but I cant put anywhere near the amount of 18,000yr into it. I put about 9 of my paycheck inonly 5 is matched but my portfolio is up 16 so I figure adding more of my paycheck is essentially free money, even if its pennies to the dollar.Just curious is all.  <response>: I personally feel that contributing to your 401k is always worth it. 