<prompt> Human: Age : 22 M, just graduated. Location: CA.Base salary: 102,000I am not including bonuses because I dont think they make a difference to 401ks and IRA. Correct?Monthly expenses: Rent Utilities: 1400 approx, and around 1000-1200 on regular stuff like food, going out etc.My company offers 30 match all the way to 18k, meaning theyll put in 5,400 of I put in the 18k. Thats why I want to first Max out my 401k contribution put per paycheck around 700 pretax. This will bring my taxable income down to 84,000 or thereabouts. Good idea? After 31 tax approx federal state Social security and Medicare tax my after tax will be around 59k per year. With my expenses, I estimate that I can Max my 401k. Should I Max my Roth IRA too? Even if its post tax? I understand that you can withdraw it tax free, but still, its stuck till Im 60, and I dont get extra money like with the 401k. One of my main concerns is that if I decide to buy a house when Im 27-28 or so, I wont have enough money to cover the downpayment comfortably. Is this a valid concern?  <response>: My company offers 30 match all the way to 18k, meaning theyll put in 5,400 of I put in the 18k. Thats why I want to first Max out my 401k contribution put per paycheck around 700 pretax. This will bring my taxable income down to 84,000 or thereabouts. Good idea?Yes. Should I Max my Roth IRA too? Even if its post tax?Fundamentally a good plan. Your salary may go up to help pay for the eventual house. Also, you can withdraw contributions from a Roth IRA at any time though best if you dont. Is this a valid concern?Yes. It can be hard to save in your 20s, but that has the best chance to grow. 