The new year is approaching, and I have the opportunity to enroll in a simple IRA, where my employer will match up to 3% of my income. In spite of my incredibly conservative approach to monies, I’ve somehow never opted in. And with the new house and new bills and this this and that, opting in sounds even less appealing as that 3% would be nice to have. I’d rather pay down debt or fix up the home. What say you?