First is to figure out what your goals are long term. Then figure out how to work towards those goals. If a 401k fits those goals then start a 401k. Most of

First is to figure out what your goals are long term. Then figure out how to work towards those goals. If a 401k fits those goals then start a 401k. Most of the time, though not always, you need to be full time before you can contribute to a company 401k plan. Best advice I can give, though, is 1) read a lot and 2) never take anything you read at face value.