<prompt> Human: At my previous job, my employer matched 100 up to 5. In this new company though, they only match 50 of your contributions until after 3 years where they vest 100. I am trying to buy a house and a car within the next 2 years, and I feel that putting 8 would make me take a hit on savings, but I dont want to lose out on money for retirement, any advice?  <response>: You should be saving at a higher rate than 8 anyway. Always take the free employer match. Always. 