<prompt> Human: Hi PF. I just received an offer from a company that will pay me very well, but the 401K benefit matching 1 per 1 up to 6 doesnt start until 3 years in. What would be the best plan of attack for a retirement plan for a 32 year old until then? IRA? I will have a solid cushion of money coming in so I want to be smart about where I put it. Thanks!  <response>: Are you sure its a 3 year wait? And not a 3 year vest?Im pretty sure the maximum waiting period for eligibility is 1 year. 