<prompt> Human: I keep seeing the order of finances like this: My biggest question is my company will match my 401k contribution 50 up to the IRS limits. So I think thats around 18500. But doing this puts a damper or a larger emergency fund and the like. I have a hard time passing up the extra 50 cents on the dollar I get. Any suggestions.  <response>: Invest in the 401k. Youre considering foregoing a 50 match because theres a possibility of paying a 10 penalty. 