<prompt> Human: Hello all, In a few months Ill be starting a job making anywhere from 100-130 thousand a year. I have roughly 40,000 in total debt and am looking for any advice for how to save, invest, and pay off my debt in the most effective way. I dont want to start making this amount of money and fall prey to the same mistakes a lot of 20 somethings make. Any advice or direction to books and or articles that I can study up on to get my finances on track and focused would be greatly appreciated. My rent will be between 6-800 a month once I move and I will be working 6 day 12 hour shifts. Thank you for your time.  <response>: Max out your 401k. Worst-case scenario, this will bring your pre-tax income down from 100k to 82,500. You will never even notice its gone. This is so easy to do if you dont get used to living off your full salary and then decrease it to put towards your 401k. Unless youre living in an ultra-high cost of living area like NYC or SF, you can easily manage this.Next open and max out a Roth IRA. If you do these two things, you are virtually guaranteed a very comfortable retirement.If you max out your 401k and Roth IRA for 30 years, at a 8 growth rate, you will have near 3 million to retire on.Good luck. Youre one of the lucky ones. Just make sure to take advantage. 