<prompt> Human: I recently realized that my finances are just as much about habits, and the values that I choose to live by. It was more about my mindset than the math. I wasnt interested in retirement preparation when I first started my career back in summer. I thought that Im still young so I dont have to lock my money on retirement fund. But recently I knew that all of my colleagues are putting their money on their 401k accounts and company matching means FREE MONEY. In addition, my company matches half up to 6 of pay check, which is great. Although its little bit late, a I want to set my 401k and contribute for my future. Also, b Id like to learn how to manage and be smart about money. Please take a look at what my situation is and what type of planning you might expect. a Ive read lots of guides and posts on this subreddit, but I still cant choose the options. I just duplicated all options of my company in here: b Its the first time that I make this much money on my own. Anyone taught me how to handle money but, I want to be more autonomous and start managing.A few details on my situation. My age: 24 years old Income: 150k per year 8,300 per month Account type: 401k, employer matches half up to 6 of paycheck Debt: Paid off Other savings or investments: about 21k in salary account Expense: about 4k per monthAny insight would be greatly appreciated. Thanks for your time!  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well.You could do a lot worse than just putting everything into one of the Vanguard target date funds in your 401k. 