Why do you feel guilty? Maybe because you know that you are only counting that match into your retirement to justify getting that sunroom a month or so sooner due to the extra you’ll have to throw at that budget item. That you are shortcutting your future finances by taking that extra 3% today for things that you want to do.

Keep in mind that most companies have a vesting plan on the match. Meaning that you must be employed by them for a certain amount of time before you get the complete match. So if you leave that company in three years voluntarily or not you may only get 50% of the matched monies.