I remember I was told once from an HR that you could invest in the ups stock and earn some money? also even if the stock went down they said that you can sell the stock and get your money back is that true?
I don't make much so is it worth it?
my pay usually goes to $110-120
You shouldn't put any of your money in UPS stock, or any single stock for that matter. It's way too risky.
Put your contributions in the 401k plan, spread evenly over mutual funds, a targeted fund, index funds, and a stable value.
Start with a 5% contribution and increase that every pay raise by at least 1% until you are maxed out.
I would also open a Roth IRA account and/or maximize your after-tax contributions to the 401k.