They may also have employers that match generously, probably uncool companies that actually have to pay people to compensate for their relative lack of hipness.

They may also have employers that match generously, probably uncool companies that actually have to pay people to compensate for their relative lack of hipness. 1:1 matching is almost unheard of now but was normal twenty years ago. Contemporary jobs provide for "unlimited" (translation: uncompensated) vacation time...no 401k matching...sometimes even a huge copay for health insurance.