<prompt> Human: Im 21, and will graduate in the spring of 2014.I know I should save for retirement once I have a real job but Im not sure if it my summer internship is the time to do it. Its better for me to have cash for down-payments on house or whatever. Also, I have no bills while Im at school during the year; my parents pay for everything. Therefore, I have no loans too. I was told briefly about the companys 401k program at orientation, and It doesnt appear that theres any matching amount included maybe Im missing it?. Im mostly confused on how this 401k works, in order to make a logical decision. Which Im pretty sure the best idea is to just keep all my money for now. Is there any significant reason for me to save some for retirement now as opposed to keeping it accessible?edit: I just realized I forgot to mention the other half of my question. What do I do with the 5k I plan on saving from this summer? half my take home pay from the summer. Id rather not just let it sit under my pillow figuratively. edit again: I put actual questions in my post.  <response>: Keep it under your pillow. Youll almost certainly need it when real life hits next year otherwise use it to backpack thru Asia or Europe. 