<prompt> Human: Recently got my first job out of college, and Im in the process of setting up my 401k. Ive done a lot of reading on this sub, so I know I should definitely contribute enough for the employer match. My job matches up to 637;, BUT its 10037; of the first 437;, and 5037; of the next 237;. With that in mind, should I just contribute 437; to get that 10037; match, or is it better to put in the extra 237; and get their 5037; match for a total of 637; contribution from me?  <response>: Get ALL the free money. Definitely do 6 for a free 5. Now youre saving 11 each year. You want to be between 15 and 20. Though more than 20 is great if you can swing it. 