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<<afterall it is my money>>

As Helter pointed out, the employer match may not be entirely your money. But even if it were, your logic still doesn't fly. You pay into social security and are "guaranteed" to get ss money back when you retire, but you have no say as to how that money is used until you get the ss check. Likewise, with an IRA, there are restrictions to what you can invest in and conditions as to how it can be withdrawn without penalty. The same goes for an annuity. And what about taxes in general. Tax money *is* money that *you* earned. It's your money, but do you decide which state or federal programs your money gets spent on? Nope.

In short, you have little or no choice in how more of your money is used than you may think. And for some guys, wives and kids get first shot at whatever's left in your wallet after Uncle Sammy is done :-)
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