I would first carefully reread the schedule and the requirements for getting the match.
With the information you've given, I'd suggest contributing to the Roth because you can be more selective with your brokerage and the funds. If there's even a tiny
match (typically 1%) for contributing to your retirement through your company's 401k, be sure to contribute the min. amount.
The big rule of thumb is: start today
Other rules include:
1. Think long-term
2. GRQ =
3. Take every cent you can from your company, including HSA, retirement contribs., etc.
With regards to 3., I even shred my company's old faxes for TP at home--and would you believe a melted paperclip is essentially a Centrum?