If your current employer is offering to match a certain limit of your 401k contributions, then you should focus on making enough contributions to your 401k to fully take advantage of the match. As a result of the recent economic slowdown, companies just aren’t matching as much these days, and it may be more of the norm moving forward. But as long as the option is available, be sure to take advantage of any sort of match, it’s free money and would be detrimental not to put into effect.