Employer-offered retirement plans with matching funds are basically someone matching funds are basically someone paying you to hold onto your own money. While it is hard to believe, many working individuals who have access to working individuals who have access to these plans choose not to enroll, feeling that they would rather have the whole that they would rather have the whole of their paycheck now instead of setting of their paycheck now instead of setting some of it aside for the future. If you some of it aside for the future. If you have access to one of these plans, sign have access to one of these plans, sign up and stick with it. You'll be laughing up and stick with it. You'll all the way to the bank.