That is a real problem with most 401K plans. If there is any kind of required waiting period most people get used to the extra money and it hurts to start contributing. The government did the right thing when they changed it so new employees are automatically started off in the TSP unless they elect not to. A lot of new employees don't even know they have money going in there, so it doesn't hurt. Never had it, so they don't miss it.
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