<prompt> Human: I 22M am just graduated from college. I have no debt or student loans and will be starting my first job in a few weeks. I am wondering if it makes sense to put the maximum amount I am able to contribute into my 401k or if I should shift more of that to savings with the intention of investing it into a mutual fund.Details: My starting salary is 80k, signing bonus 10k, and expected yearly bonus of 8k would be paid next July. Company does matching of 50 for the first 6 I put in I will contribute at least this much. Based on my planned budget, I should be able to save 800month even if I am contributing the max 1500month to my 401k. So, should more of that 1500 go directly into savings? Thanks in advance!  <response>: Follow the steps in the How to handle link in the sidebar. Emergency fund, some 401k, IRA, more 401k, etc. Theres a reason its there. 