I don't contribute on my own, I know I should. My company puts 6% of my earnings into a 401k. Say if I made 100k a year I would get 6k put into the 401k, and it doesnt come out of my pay. The only thing is I will probably lose it, I do not plan on staying with my company for another 4 years to be vested. I have a good feeling that I won't live past 65, going on family history, so I haven't been too serious about investing.