Agree with the post above, although when I was onboarded and benefits started, last Nov/Dec, it was payroll deduction, and payroll deductions are still coming out, now 7 months later. Although, I like tax free money, so I'm putting 50% of my whopping $100 a month into the 401k, so $50/month of my pay is tax free, which is paid before the debt. I havent gotten a "paycheck" yet, but I'm up to a few hundred in my 401k. So that is a win considering how little work I have to do.