<prompt> Human: Hey guys so Im 21 years old, and already have s 403b opened through the hospital. My contribution is 3, and my employer matches up to 4, which results in 60 dollars a paycheck being put in. Through fidelity, we are offered an automatic investment, with a breakdown of where it is invested. I plan on staying at this job long term, especially when i get my RN license only a tech for now. Now my question is: is it worth investing what little I have into whatever they invest in? I can post later where theyre investing. Should I ramp up my contribution? Or should I leave this alone, and let it build?  <response>: The best financial advice I ever got was Max the Match. If the hospital matches up to 4 then youre leaving money on the table not putting in 4 yourself. To your basic question, the ealier you can start the better. Money put away now will have the longest time to acrue interest and grow. It is without a doubt worth it to start now, no matter how small the contribution is to start with. 