<prompt> Human: Yesterday I posted asking about how much to contribute and where. Today I reviewed the packet again and realized that the employer will NOT match the 401k contributions until after the first year of employment. I also read that this is pretty common practice. So, given that I am 21 and not in a big rush to retire, should I postpone contributing to the 401k until after my first year and then contribute 6 to get the full match? Are there are downsides to refusing the 401k contribution for the first year? I still plan on putting 100mo in my HSA account. Thanks!  <response>: Its never too early to start, but in the short term, I would build up an emergency fund first. Get that out of the way your first year. Borrowing to cover an emergency is vastly more expensive than missing a few months of contributions to a 401k. 