Originally Posted by OOfff

I’m in. I also thought I was going to opt out, but the more I looked at it, the more I realized that it’s extremely unlikely that I’ll diligently invest my excess anyway. Psychologically, this works for me and I’ll just adjust the rest of my portfolio to make a good risk profile.

what made this so hard was that I realized we have enough income and enough retirement savings that neither way is a clear winner in improving our lives.