<prompt> Human: I started new job back in September 2016. Ill be eligible for the 401k starting in October. It doesnt seem to be that good of a plan though, which surprises me for a Fortune 500 company. The company will match .1875 for each 1 of the employees contribution, up to 4. I become fully vested after 5 years of service, which I plan on hitting. I am not sure about who manages the 401k or how it invested. Is this good? Not good? Should I do something else with my money? Or just contribute the maximum 4? Im 37, have about 225k in total debt 175k in student loans, and have very little savings, just a 1000 mini-ER fund. Im working hard right now to pay off my CC debt 13k. Any advice is useful.Thanks  <response>: Is the 4 max for your contribution or theirs?An instant 18.75 return is still huge, even if it isnt the 50-100 you see with many 401k matching plans.That said, those debts sound like an emergency situation. After you max your match for a free raise, you need to focus on paying the debt down. 