I’m a “Y’er”.
Like you I’ve been saving for a long time with that employer match.
Not too many of us around that do this in our age groups.
We are a political target, but for now we’re very responsible.
Too many people live for today - animal mentality.
I've been telling relatives and co-workers that for years. My kids and nieces/nephews are entering the workforce, and I've been doing a lot of new-hire training.
Don't leave that employer match on the table! Make at least the minimum contribution to get that. I also do some quick calculations to show how much it will be in 40 years, with a modest rate of return.
I'm sure you figured this out, but tell everyone you know: the time to start planning retirement is in your 20's. If you wait until your 30's, you'll have much less to spend or you will have to work until your 60's.
My wife and I retired in our 50's, and because we maxed out our retirement contributions, we minimized our spending. That's an additional benefit -- we didn't have to lower our spending in retirement.