Saleh - You're asking the right questions and these answers are all excellent. Just keep in mind that while the principles of investing will always hold true, the rules and limitations unfortunately have a way of changing.
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So far... all good answers...
Just to keep it simple... take the match... if nothing else, take the match... and, did I say, "take the match"?
Okay, it's only for one year at a time, but, a match is equivalent to a 100% guaranteed
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Good for you, Selah! You are not too old to get started. I agree with the comments above, so I won't rehash those. Here's what jumps out at me about your situation. You stated that you have not developed good savings habits.
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