<prompt> Human: Just graduated with a job making 80k. I plan on maxing out my 401k but it seems the general consensus is to first contribute up to your companies max while youre building your emergency fund. My companys match sucks 1 so should I contribute a bit more or just stick to the 1 while building my emergency fund how much more? Thanks in advanced!  <response>: You are the target audience for this: Start with the idea that you want to save at least 10. You might want to do some of that as an IRA, depending on your investment choices and expenses. 