<prompt> Human: Im 22, just graduated from school, paid off all of my debt, and my new job has a 401k match - they match 3 of what I contribute annually. I decided that this is horrible as most of my friends companies will match 100 up to a certain limit and have now contributed 5500 of my savings into a RothIRA for the 2018 year. Im wondering if I should still utilize the companys 401k or if I should put a percentage of my paycheck elsewhere.x200B;Any ideas?  <response>: Are you sure its not 100 up to 3 of your income for the year? These things can be written kinda funny, so be sure to verify that. Either way, take the match. Its a free 3 with minimal risk. E: spelling is a bitch 