1. It's painless.
    2. Contributions are pre-tax and payroll deducted.
    3. Money in your account is tax-deferred.
    4. Benefits of dollar-cost averaging when making regularly scheduled investments.
    5. You can contribute more to a 403(b) than to an IRA.
    6. Quick and easy way to create a diversified portfolio with low-cost investment options.
    7. Reduces your current taxable income.
    8. Loans and hardship withdrawals for emergencies- where plan permits.
    9. You can transfer your money if you change jobs.
    10. Social Security won't be enough to cover all of your post retirement living expenses.