Your employer could add a few more investment options at a very nominal cost. If you are not permitted to withdraw your funds and your employer doesn't want to help, you are out of luck. My wife and I are in our late 20s and we cannot seem to agree on how much money we should be saving. I believe in budgets, but she hates the idea of keeping track of our expenses. We have kept out of debt and have begun saving for retirement, but we are having trouble deciding upon how much to spend and how much to save.
Most couples disagree.
Finding a compromise and a plan that you can both agree upon will not only put you in a good financial position, it will also do wonders for your marriage as well. Many people do not like living on a strict budget. Rather than budgeting every little expense, decide upon a percentage of your income to save and spend the rest. For example, if you agree upon saving 10 percent of your income, which may be appropriate for your age, you can spend the rest without feeling guilty or without worrying about spending too much. If you pay yourself first and stay out of debt, you can spend how you wish and be in good financial shape upon retirement.