<prompt> Human: I already have a Roth IRA which I plan to max out, but Id obviously like to take advantage of the employer 401k match 33 of the first 6 if possible. On the other hand, Im not sure exactly what my options will be if my 401k is nontransferable. Im 22 if that matters.  <response>: This is very common, its called a vesting period. You arent entitled to the accumulated employer match money until youre vested, so if you leave early all the employer match money and whatever gains came from that money turn into smoke. But on the plus side, everything you contributed out of your paycheck and the gains that money made is yours free and clear, from day one. I would recommend contributing at least up to the employer match if you can afford it after maxing your Roth IRA. If you leave early, youll still have all your contributions, and who knows what your situation will be two to three years from now. You dont want to be kicking yourself if you end up staying at your job longer than you originally anticipated, and just long enough that youd be fully vested if only youd contributed early! 