<prompt> Human: I am 23 and about to start a new job at 125,000year. I get paid 100,000 base salary and 25,000 in equity and cash bonuses each year. This is an enormous salary increase for me and I dont know how I should go about saving for retirement.I have about 7000 in my 401k with my current employer that I will be rolling over into my new 401k. I have no student loans and I owe 16,000 on my vehicle at 0.9 APR. My new employer matches 401k contributions up to 2 of my total salary. I want to save more than 2 of my salary for retirement. What should I do with the rest of my retirement savings? Max out the 401k or something else? Why?Edit: Holy Crap, this blew up bigger than I was expecting! Thanks for all of the advice. I am going to spend a couple weeks planning out how to balance saving for retirement with saving for my first home and make another thread to get it critiqued.  <response>: Nobody has commented on your car loan. At your loan rate 0.9, youd be better off investing any extra money rather than paying it off. 