<prompt> Human: Hi friends,Im a 30 year old newly minted Physician. I finished Residency in June and started paying my student loans in July. Began my first real job in August. My Student loans are 240K. Im paying 3Kmonth on a 10 year plan. Currently looking at refinancing options. Ive read on here and a few other places to max out your 401K if your employer matches. Unfortunately, mine does not. Is it worth putting into the 401K anyways? Or would you put your money to the loans first and 401K after?Thanks!  <response>: Building habits is the most important thing here. Lets just do some back of the napkin math. Lets say you put 18k per year into retirement and your net pay is around 150k a year post taxes and 401k.Lets also assume you up your lifestyle a bit and burn through 5k a month in living expenses high probably but just ballparking here.Youll be left with 100k per year for debt repayment and be debt free in less than 2.5 years.Not maxing your 401k, youll be debt free about 3 to 4 months eariler. Personally, I think if you can build the habit of saving for retirement while being aggressive, then go for it. If you just want the debt completely erased for Peace of Mind sake then get out of debt in 2 years. You might lose a little bit of gains in the market but its only for two years.The most important thing here is developing strong and good financial habits. Well, paying off your loans is also pretty darn important.Im another doc who was in similar shoes. I decided to Max my retirement which is 54,000 per year and have been aggressively paying my loans. I could write a check anytime and pay them off but Im just using leverage and have been lucky making way more in the market than my 3.3 percent interest rate on my student loan. Personal finance is personal. Just dont go out and buy a house or luxury car day one and get into more debt 