If your employer isn't matching that entire $10k, you should look into other retirement options.<p><a href="http://www.iwillteachyoutoberich.com/blog/the-worlds-easiest-guide-to-understanding-retirement-accounts/" rel="nofollow">http://www.iwillteachyoutoberich.com/blog/the-worlds-easiest...</a><p><i>"First, I would max out any 401(k) match that my company provides. Second, I’d max out the $5,000 for my Roth IRA. Third, I’d max out the rest of my 401(k), up to $15,000. Finally–if your employer doesn’t offer a 401(k), you’re not employed yet, or you still have money left over–I’d open a regular, taxable investment account and put money there in stocks, index funds, etc.<p>Why max out your Roth before your 401(k)? Well, there’s a lot of dorky debate in the personal-finance world, but the basic reasons are taxes and tax policy: Assuming your career goes well, you’ll be in a higher tax bracket when you retire, meaning that you’d have to pay more taxes with a 401(k). Another common reason for the Roth is that tax rates are considered likely to increase. Remember: Your 401(k) money is taxed at the end, while Roth money is taxed right away and then grows tax-free."</i>