I'm an FO with 3 young kids living in an expensive SoCal area so cash flow is my problem. I'm at 0% until I can pay for my kid's swim team and hockey dues without dipping into savings. Works out to about 5th year pay in my budget. YMMV, I did the math and made my choices eyes wide open. No regrets, but company DC makes up 99% of my retirement savings for now.