<prompt> Human: This is of course is just my experience but I work at a company that offers a 5 matching program thats 100 vested. I, of course as a lurker of this sub, jumped on this the first week of employment. Many of my colleagues are entirely skeptical of this program. Ultimately I dont care as personal finance is just that, personal to everyone. But the naysayers Ive spoken to express sentiments of everything from nah not for me thanks to enjoy throwing your money away.Ive had people vaguely imply Im stupid for doing so. What am I missing here?  <response>: Cats arent fond of them either, the little shit yacked all over my 401k packet I had to fill out. 