<prompt> Human: Its been my understanding that you should contribute the the employer match to your 401k because thats free money. Then you should be maxing payments toward a roth IRA 458month because thats a more efficient vehicle. Ive been using my remainder of money to pay off student loan debt to avoid compound interest in the wrong direction. Am I missing something?  <response>: To have more money available when you retire.If you dont have student loan debt andor have higher-than-average income, it makes sense to contribute as much as you can. 