<prompt> Human: I work for a governmant agency making 80k per year and have a 403b retirement account, to which I contribute 10 of my paycheck. If Im reading my handbook right, my employer only matches retirement funds if I make over 105,000. Im just kind of confused if this is normal. Since I make good money and have a solid job, I expected them to match right away. I wont make 105,000 for at least a couple years. Is a situation like this normal? It might not be exactly 105,000, Im going off of memory. But its definitely 100,000.  <response>: Im going off of memoryDont go off memory. Quote your handbook and maybe people can help interpret. 