Probably best to start contributing to an IRA after exhausting the employer match on a 401k. You have more flexibility with it and don’t have to worry about later rollovers. If you can max that out, then go back to the 401k until that is maxed, but most people aren’t able to do both each year.
Here’s a flowchart of the best order to spend money from one of the financial subreddits. The best yields are on the earlier investment types each year, so if you are reading this please try to save at least a little regularly. It will save you so much later on. If you don’t know what to invest in, historically an index fund like SPY or Vanguard will get you good returns with lower variance than individual stocks and doesn’t need to be closely managed. A 401k will have more limited options but I would still try to look for a wide market index fund.










Breath of the Wild is generally pretty good about letting you explore your own way. For example, the exposition ghost at the start explicitly acknowledges you could go straight to the final boss after leaving the tutorial area if you want, and there are plenty of ways a determined player can reach areas faster than the typical progression routes would take them.
But my goodness the pitiful weapon durability made me want to avoid combat. I distinctly remember coming across a white lionel relatively early and determining I shouldn’t bother trying to fight simply because I didn’t have enough weapons to get through its health bar.