system
A chat on subreddit /r/wallstreetbets
human
Max the amount your company will match then go invest in an IRA. Reason is 401k will normally cost money to take out from while a IRA is going to cost little to nothing to take out from. You want to max that match because of the 'free money' but you can readily use an IRA in case of emergencies or other investment opportunities.

gpt
Thank u! It finally clicks!  I really appreciate it