conversation: User (thats_not_ok): "I'm trying to take advantage of retirement accounts as early as possible. I landed a job after college in NYC doing IT/computer systems engineering for 105k after aggressive internships during college. \n\nMy paychecks are $2,600 - $2,800 biweekly after taxes and benefits deductions. \n\nMy question is, although I may not have the opportunity to max out the 17-18k each year for the 401k, because there is no 401k. I do have a 403b I could use, but there's no employer contribution to that. Should I take advantage of that AFTER I've paid off all of my debts listed below? These debts I plan to pay off way before the interest begins to hit, probably by december of this year.\n\nDebts:\n\n* 4.5k in Credit Card Debt on a 0% interest until this december 2015\n* 3k in Student Loans remaining with 0% interest until march 2016\n* 10k in student loans remaining with 0% interest until may 2017\n\nExpenses (monthly):\n\n* Rent: 1325\n* Internet	$45.00\n* Utilities	$70.00\n* Gym (very high end)	$225.00\n* AT&amp;T	$95.50 (AT&amp;T next included)\n* Rent	$1,325.00\n* Going out, eating out, all other unecessary expenses: usually $1.5k to 2k a month (which I will cut down on..)\n\nNotes: I go to Equinox in NYC, as I am very gym oriented and get the most out of my gym memberships. I have tried numerous gyms in NYC and I am aware of the expenses that I am doing every month for a gym membership. However, this provides me happiness and I enjoy the cleanliness at the gym as I near 5-6 days a week at the gym.\n\nOther than an overall criticism from my budget, should I leave this employer to look for another company that provides a 401k (within the next year or two?) or should I start contributing to 403b after I pay all my loans off?"
  Self: "I added topic flair to your post, but you may update the topic if needed ([click here for help](/r/personalfinance/wiki/flair)).\n\nYou may also be interested in:\n\n- [401(k) Fund Selection Guide](http://www.reddit.com/r/personalfinance/wiki/401k_funds)\n- [401(k) FAQs](http://www.reddit.com/r/personalfinance/wiki/401k)\n- ["I have $X, what should I do with it?"](http://www.reddit.com/r/personalfinance/wiki/commontopics)\n\n\n*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*"
  