<prompt> Human: So I have been using an IRA for my retirement and decided to look into also opening a roth 401k with my employer. I was browsing through their benefits programs and saw it said that they match 10. I thought this was pretty good, but decided to email HR to be sure this meant they matched 100 up to 10 of my salary as that is what I took it to mean. Apparently this means they match 10 of what I put in. So if I contribute, say, 4,000 a year that means they will contribute 400. This sounds horrible to me but I havent actually bothered with an employer 401k at any of my jobs since Ive just been maxing my own account. Is this terrible and should I not even bother?  <response>: Its not great compared to most other 401k matches, but that is still a good value. You are getting an instant 10 return on your money. 