<prompt> Human: My company doesnt match me since I am not 21 so I went ahead and put it at 10 to even it out a bit they usually match 6. Recently though, my paychecks have been taking a hit. My mom keeps telling to either lower my contribution to 3-5 or take it off completely. She says its too early to even worry about this and I could use that money for other things. Is this contribution not worth it in the big picture since I am not making that much its usually 100-130 per paycheck... and will not stay with this employer for too long? I just feel like this amount doesnt sum up to a lot in the long run and I could be using it for other things like school or going out now.  <response>: I always matched their contribution if they pay 6 Id pay 6. Now that Im older, I go 10. Also, every time I got a substantial raise, Id raise my contribution a little bit bc I figured I wouldnt miss it. Hope that helps! 