<prompt> Human: I am 34. I have about 23k in an older company 401k with Fidelity that I havent touched JPM SMRTRET 2045 I the older company had a piss poor match, 1k year. I am around 16k with Principal TrustSM Target 2045 Fund that I was contributing 6 to, and the current company matched 3. They have ceased paused it. Im dealing with some new bills, and an increased mortgage, so because I am no longer being matched, considered dropping it to 3 to give me that extra per paycheck that I can use elsewhere. At the age of 34, I also realize how important retirement is, so I am not sure what route to go and would like PF opinions. Thanks  <response>: No. Assuming you dont need to put the money towards debt, keep putting it into your retirement. The goal is to be putting away 15 by your 40s. Your company stopping the match just moved you from 9 to 6. If any thing look into putting more in. 