<prompt> Human: My husband works for a small company that just merged with a slightly bigger company. With that change he was promoted to Director of Procurement and was put on a 50,000 salary and is now getting benefits like health insurance and 401k. We have no idea what our options are or what to do with a 401k. I did read the community files on it but Im still not really understanding. Someone will be sitting with him today to go over what his options are but how will we know if they are good options or is this a something is better than nothing kind of thing?Any and all help or tips are appreciated!  <response>: Yes, anything is likely better than noting here. He cant go wrong with a target date fund. These are funds that auto-balance their investments over time as you get closer to retirement. This is kind of the set it and forget it of retirement funds. If the company does a match make sure you at least contribute enough to get the full match. Then contribute everything you can afford after that. 