OK. Dear vast majority.... Actually I'm in that boat, too, but of my own doing. At where I work (a large utility in the midwest), we match 75 cents on the doll

OK. Dear vast majority.... Actually I'm in that boat, too, but of my own doing. At where I work (a large utility in the midwest), we match 75 cents on the dollar up to 6%, so essentially 4.5%. I stopped contributing a few years back to try to get out of debt faster, but kept finding creative ways to add new expenses: wife, new daughter, another new daughter, repair that leaky roof, etc. Still, my point was obvious: 3% is free money that shouldn't be turned down if it's available, but to laud it as something to brag on is really grasping at straws. 6% was the industry standard in my area... and I once worked for a company AOL bought out.