<prompt> Human: I graduated at the end of September, and after three weeks of job hunting, I accepted an offer starting on Monday 1021 as a contract engineer for one of the worlds largest automakers. My problem is that I dont really understand the benefits provided - my co-op job didnt have benefits, and my parents just took whatever their company offered.Here is what I was offered: Pay rate of 34.50 per hour, with overtime over 40 hrs wsupervisor approval at 51.75 per hour. This seems above average for my degree BSME though I do have 3 years experience thanks to my co-op. BlueCross BlueShield PPO which has a 1,500 deductible and premiums of 24week for me single. Is this anywhere near a good deal for me 21 year old male if I have to pay 100 out of pocket for everything until I spend 1,500 a year? Dental and Vision insurance that seem reasonable. Theyre 8week. Wells Fargo 401k with no employer match. I already have about 13k in a Fidelity Roth IRA I began at 18, is there a reason to contribute to the employers 401k in addition if they do not match?Buying a house: I have a 20 downpayment saved up for a house I want to buy in the Spring used to be my grandparents. Is this reasonable based on my job only being contract at the moment? Would anyone else feel comfortable buying a house on a contract job?  <response>: Pants. Wear pants. 