<prompt> Human: Im a 21yo female in my last year of college. I was lucky enough to get a really good, low stress, office job for 44,050year. I live in WA so that is not a lot of money but I think its a good start. I have a lot of opportunities for growth and getting bonuses each quarter. I am married and my husband works in real estate. He is self employed so ideally I will put him on my health insurance after hes 26. The company has a 401k program matching 100 up to 6. Health insurance is pretty pricey at 70mo for employee-only, deductible is 1,350 and the out of pocket is 4,450. They also offer HSA. I did my calculations and if I contribute 4 to the 401k and 70 for the health insurance Im left with 1,338 net per pay period or 2,676 per month. We are currently renting and planning on buying a house in the summer of 2020. After all expenses, were left with around 1,000 per month but that depends on how many deals my husband closes. So, how much should I contribute to the 401k right now? How about the HSA? Should we prioritize saving for the down payment and afterwards start making maximum contributions to the 401k? Thanks in advance! EDIT: forgot to mention that we have no debt. No student loans. No car loans. No credit card debt.  <response>: Health insurance is pretty pricey at 70mo for employee-onlyLol??? Thats super cheap, fyi. Your deductible is the absolute minimum possible, too, and your OOP is not the max. It sounds like a decent plan. This is likely the lowest youll ever pay for health insurance as a non-student. You should check your investment options for the 401k and the HSA, including minimum money market balances on the HSA. You obviously want to claim the 6 match, but then, all else being equal, the HSA is a great option to work on next, up to the maximum. Then move back to the 401k if you can contribute more. Also, at 44kyr, you may consider doing Roth 401k instead of pre-tax traditional 401k or at least splitting 5050 traditionalRoth. 