<human>: Summarize the given text in a few sentences.

I recently started a new job and it comes with a 401k with some sort of matching program from the company. This is my first full-time job with benefits and I don't really know anything about 401ks except they are a sort of retirement investment used instead of pensions. I have just under 11k in debt I am planning to pay off over the next three years and between that and my living expenses I don't know how much I will be able to afford to save. I don't have any credit history (not even sure if that matters with a 401k).
<bot>: should I start putting money in my 401k now? Can/should I wait? Is there a minimum amount I can put in? What exactly is a 401k and will it complicate my taxes?