I have to say congratulations to both BRETT257 and AURALSIX for the presence of mind to think ahead to retirement even while still in your early 20's. I never had it. I say definitely take advantage of the 2% match on the 401k, but only if you'll be there long enough to become fully vested in the plan. No one can ever predict their future (hence the need for an emergency fund) but if you're reasonably sure you will not stay long enough to become fully vested then do not be lured by the false promise of a 2% match. Some or all of it will be forfeited when you leave. Don't use that as an excuse to do nothing. I'm just saying that, when comparing 401k to IRA, don't give extra weight to the 401k based on a false premise.
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