<prompt> Human: I should have put this in originally.Here is my budget on mint removed I have two current car payments as seen in the goal section pay of xs car and ys car. I also am planning on a third one the 400 in the budget portion. The third one isnt for me, but for my father who has MS and is wheelchair bound. He needs a van that can transport an electric wheelchair and I am the only member of my family who makes more than 20k a year andor is not in bankruptcy and under court order not to get any new loans.My wife gets a 600 stipend from the government every month and I am withholding 600 a month from my paycheck for personal spendingsaving. These are not present in the budget, but are taken out prior to the income you see there.The 2k I mentioned was from a previous employers contributions to a 401k run by ING.I have the option of rolling that into a new 401k I can open through my current employer that matches 100 on the first 5 of contributions.Also, this last year, I got about 5,700 back in my tax refund. I am thinking of changing my W4 so I dont have any withholdings and putting what I would normally have withheld into a savings account and then paying my taxes each year from that and putting the remainder into my retirement fund. I dont know if I can take that money and put it into a 401k? Or would it go into an IRA? I am not well informed on the intricacies of each of those types of accounts. I really only know that the limit on a 401k is higher than that of an IRA.edit:also, ignore the categories that are in red. This budget is for coming months and there are some irregularities in the last 30 days that mint doesnt understand.  <response>: Save much more for retirement. 