It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxes.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

All right, let's go on to Jacob's question.

He says, my girlfriend is starting a new job.

For the first year at her job, they only matched 25% of the first 4% in her 401K.

With a tight budget with student loans and rent and investing, should she do the 401K

for the minimal match or max out her Roth?

No, but can I have some initial thoughts?

I see this with big plans.

It's one of those things where you get excited.

By the way, I am still excited because I have a friend, I won't say the name of the company

because it's a Fortune 500.

I was like, man, they match because theirs was this, but it has that cap, too.

This one was 25% up to 4%, so it's really 1%.

I think Jacob is looking at this and going, 1% just doesn't seem like it's moving the

needle that much.

I'm really excited about this tax-free growth opportunity.

Should we just skip this 25% because you guys, and all your examples, you're talking about

50% or even 100% on the employer match.

Maybe 1% because 1% just doesn't sound like a ton.

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