<prompt> Human: My new employer is offering 10 cents on every dollar you contribute to your 401k up to 4 of my base salary. This sounds pretty low, but they do offer the set of Vanguard Target Retirement funds, which I was already planning on using anyway in an IRA. If I contributed the max of 4 of my base, that means the company is giving me 200 of free money every year -- not a lot but not insignificant. What do you think?  <response>: Thats 10 more than you have if you dont. I like free money. 