You may find these links helpful:

• 401(k) Fund Selection Guide
• 401(k) FAQs
• "How to handle $"

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Things happen and you don't know the future. You are always vested in your money and the match is free money. I'd never contribtute less than full match regardless of vesting schedule or anticipated time at employer.

Even keeping half of the match is probably worth it. But depends on the interest rate on the loans.

The only reason to forgo a match is in the case of cliff vesting, where you go from 0-100% all at once. In this case, you’ll get a 50-100% return (who knows, maybe you’ll change your mind or it will take you extra time to find a job that you’re happy with) on every dollar you put in. Unless you have some payday loans you haven’t disclosed, you’re not paying debt at more than 50%.

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Well, on the one hand 50% is still something. But on the other, in terms of raw dollars, you're talking about missing out on only $73k * 6% * 50% (match) * 50% (vest) = $1100 a year. Or $500 if you leave after year 1 but before completing year 2.

I doubt your eventual retirement will be drastically hurt from losing out on a couple thousand dollars. Though you're also not saving any of your own money. While maybe not "ideal" in terms of pure maximizing return on your dollars, I wouldn't consider it a horrible idea to put a temporary pause on that 401k to focus on debt / emergency fund.

Highest interest rate is 10.7% on the consolidation loan. Presently paying the minimum + $20 principal only payment a month.

Car and student loans were refinanced when rates were low, and are @ 2.34 and 3.24 respectively.

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Thanks for the push in the right direction. I'll maintain my match and learn how to cook rice and beans. Looking for a room mate, but most rooms here are renting for nearly what I pay for my "cheap" one bedroom.

10% you probably want to focus on and pay more than the minimum.

That is what prompted this question. I need to throw more money into savings/at debt.

Trying to manifest ways to increase my income in the meantime. Hunting for cheaper places to live, I rely on other people's passwords for my subscription services. Looking into side hustles or a second job, but as a salaried employee that occasionally has to travel, it makes a second job difficult to keep.

1. Even if you keep only 50% of the employer match, that’s still 100% more money than you’d have if you didn’t contribute.
2. While it seems unlikely you’ll stay the full 4 years, you never know what will happen. You don’t want to look back at 4 years and calculate how much money you turned down.