I am staying in because long term down market offers more long term growth, obviously a big risk with Democrats, but polls say they are better for the economy(/s), I have always put in the minimum to get the employers matching funds
I agree partly, what I noticed though was that I was putting money in (including my employers contribution) and the balance kept dropping by the hundrend. I just started thinking it was counterproductive and stopped the withdrawl from my check. If the economy picks up I can always start it again.