Oh, I am. Remember, if I make a $1,000 payment to student loans, that all $1,000 goes toward principal, which means a significant amount of interest gets kicked off instead of $700 going toward interest and $300 toward principal (just throwing a number out there). Total savings outweigh what I'd earn in interest from a 401k and the free money.

If 3 years of not investing into a 401k makes me unable to retire, then I've done more wrong in my career than not putting money away into a 401k for 3 years.