<prompt> Human: So Im a 22yr old recent college grad working my first real job as a system engineer. Ill be making 62k a year before taxes, and based on my first few pay checks it looks like Im getting taxed at about 29 thanks California for a net gain of 44k a year. My employer offers a 401k plan that is 20 vested after two years, increasing by 20 each year after that, fully vested after 6 years. They match 50 of my contributions up to 6 of my compensation, and my current default fund is the Vanguard Target Retirement 2060 Fund Investor Shares with a .16 expense ratio. My current issue though is that Im not really planning on working here for more than a year or so. So Ill be poorly vested if at all in my employers contributions. Cost of living is also relatively high where Im living, and my first base-instinct would be to have more money available as disposable income if its necessary. However, because I am getting taxed pretty heavily, having a before tax savings certainly has appeal, even without employer matching. Essentially Im wondering if its worth it to contribute to my 401k now when Ill probably be changing jobs relatively soon, or if Im better off saving elsewhere till Im more settled? Thanks in advance!EDIT: these are my investment options for the 401k. Help me pick lol  <response>: Invest 6. You have nothing to lose. If something occurs in your life or the economy and you wind up staying in the job longer, you get an automatic 20 increase in your savings every two years. If not, youve made a solid investment and you can take it with you. 