<prompt> Human: Im 25, make a decent living and need any advice on what to do with my money to put me in the best position at retirement. I work in physical therapy, primarily within skilled nursing facilities. From my experience working I have found that therapy contractors speaking only for skilled setting dont provide a lot of stability. With three years my facility changed contacts four times. I was later told by co-workers that whenever these contracts switch they would lose some of their 401k matching and would have to re-enroll when the next company came through, and thats if they decide to keep you. I would like a more permanent option so I can totally avoid that situation. Are there better options than a 401k and if not, why would I need to do to look into this?  <response>: I would not ever opt to not receive free money through matching to avoid having to re-enroll. Regardless if youre kept or not through a transition, that money could always be rolled into another investment option later. If done properly, you wouldnt pay fees or penalties either. I would suggest contributing to the 401K at least through the matching contribution. Beyond that, if you want to invest more, a Roth IRA may be a good option for you. 