<prompt> Human: One thing that stood out to me was them talking about how the vested money just disappears. Thats just not true if youre doing an employer match. On a five year vestment schedule it doesnt go away if you leave under the fully vested five year mark. You could have 20 for year one, then 40 for year two, then 60 for year three. Still, its informative overall and thought it might be a good post here.  <response>: Depends on your plan. I used to be at a place where your vesting was 3 years, but year 0-3 was 0 vesting and year 3 was 100. So it depends. 