<prompt> Human: 36 Years Old. Only debt is car loan at 1.9 with 1 year remaining.I have not contributed to Roth IRA in the last year. Wedding expenses etc. Have 1 years salary in cash approx 100k, was considering home purchase but will be moving this into something else as we have decided not to purchase right now .My match is 20 of up to the first 12 that I contribute.I currently contribute 8 and get 1.6 from the company is it worthwhile increasing to 12 and getting 2.4 from the company?Can definitely afford to put at least the extra 4 away just wondering if it makes more sense in 401ktraditional or elsewhere?  <response>: Always use tax advantaged accounts when you can, and always favor getting a match on your money instant returns, bro! ANT!. General wisdom is 401k up to match Roth IRA up to max 401k up to max optional: HSA up to max Taxable brokerage and real estateStop whenever you run out of investing money. I recommend putting a minimum of 15 of your gross pre-tax income towards retirement, but if you dont have any other mid-term goals go nuts on that stuff. 