@PraxisOfEvil @flux_the_cat You'd be surprised at how impactful a few dollar bucks per month is, especially if you get a 401k match. Always choose Roth 401k AND open a personal Roth IRA (even if it's like $1 is all you can put in) ASAP. If and when you leave a job, you can rollover your Roth 401k and if you've had a Roth open for a few years you can take basis (current value - gains) out without penalty in some situations even if you're under retirement age.