When I was in the trucking industry the company I was with at the time started offering a 401K. Some of my fellow employees were highly irritated that the company was only willing to match 50 cents to the dollar. I tried to explain that 50 cents to the dollar was more than the 0 to the dollar they had previously been offering. Some money is better than no money. Another guy traded his ski boat for a bigger boat. His said, "You don't pay more. You just pay longer." SMH.