a match, only do the amount they actually match and no more. If you follow these tips, most people get their non-mortgage debt paid off in 1-3 years and that's not too long to put off the contributions. In my experience the families I've worked with free up around $1400 in monthly cash flow once their non-mortgage debt is paid off. That's typically enough for them to double or triple their retirement contributions and they catch back up really fast.