<prompt> Human: 29yo, 11k in savings, 20k in 401k, single with only car payments as debt.Heres the breakdown by month:2697take home pay Currently at 7 personal contribution for 401k, employer will match dollar for dollar thats saved on a pre-tax basis for the first 1, and 50 cents on the dollar up to the next 5 of I contribute on a pre-tax basis. so should i put more in? less? EDIT: Im also 100 vested not really sure what that means.899rent72utilities200groceries449car payment, NJ Insurance90internet TV20barber200discretionary1931TOTAL EXPENSESThis nets me around 30 savings each month, or about 850.Thank you everyone for all of your input. Its been immensely helpful and I can breathe a little easier.  <response>: 100 vested means that the employer match money is fully yours. So if you left your job today, all that match money would remain in your 401k. Many companies have the match vest over a few years as a retention incentive 