if you've never participated in some form of IRA/401k program dont litter this thread with useless info.

as an employee of QT, i take advantage of the 401k program. they match 50 cents up to 6% deferral from my paycheck. i do 7% just because i do a little bit more than the minimum. there are quite a few stocks, bonds, and retirement funds that i can choose to diversify my funds. pros and cons of each, keeping in mind that i am only 21, making a little over 40k...im all ears to any advice/thoughts on the subject, as my knowledge of them is nearly 0.

if someone can tell me how to make a screenshot it would be tremendous help so i dont have to type all this **** out.