<prompt> Human: Or should I take the 3 I was going to contribute and invest it in some other way?  <response>: My employer contributes 17 to my 401k... do I still need to contribute? 1. Is 17 in line with your retirement goals? If you dont know, you can use a retirement calculator.2. Would you be earmarking the 3 for something other than retirement?If the answer to both of the questions is yes, then feel free to not contribute. 