[E90convert]

I would enroll in the 401k. You get a current year tax deduction on the invested income, and 1% for free.

If I was in your shoes, I would enroll and at least get that free 1%, assuming you would only have to contribute 1% to get that match. Then I would put 19-24% of your gross into a Roth IRA (assuming you are within the income limits). At your age, I'd try to pile it on. I'm in my 30s and invested heavily in my 20s, and wow has that paid off. I now have a growing family and more responsibility, and feel like I can ease off the investing from at 25% I was doing, to a more reasonable 15% (including match). I now have more disposable income for family activities, paying cash for cars, 529 contributions, ect because I set myself up in my 20s.

If you plan on changing employers soon, look into if the 401k has a vesting period. For example, if you leave within two years, you forfeit any match you have received.