<prompt> Human: I have access to an unmatched 401K at my job, which was basically explained as a tax-free savings account by my hiring supervisor.Is there any point in putting anything into the 401K, even if its just like 50 per paycheck? I havent given it any thought thus far, after working for 6 months.Assistant: Max out a Roth IRA before contributing to your 401k. After doing that, you could treat it as additional tax-sheltered savings space. Human: I have no idea what an IRA is. Im 23 if that helps. :I probably need to read more things about personal finance.  <response>: A Roth IRA is not age dependent. If youre earning an income you can invest into one. You should do a little research 