Retirement

The thought of retiring is very depressing. I have no retirement fund. The company I work for offers a 403(b) plan but doesn't match any contributions. Couple that with it being non-profit and not paying "market value" wages it makes it tough to carve off the $150 a paycheck to try and build an IRA.

And it's gets tougher to try and move to a company that might have a retirement plan - I have good health coverage and now have 3 weeks vacation time available to me. I suppose I would have to decide my priorities - vacation verses a retirement fund...