I am right there with you Paul.. I cant afford to have anything taken out.. but I AM enrolled in 401k... But I only have like 2% taken out.. i put my salary as $28,000 so only like $20 a paycheck gets taken out every 2 weeks.. yeah its not much but its something.. and one day when I can put more I will..
Actually to be honest.. I do get paid salary and when I started having my 401K taken out, it's pretax so my taxable pay actually increased my paycheck after taxes by $30.. So at the same time I am setting up my retirement, and getting more money after taxes.. so we will see how that works out when tax tmie comes, lol...
But you should try it.. you can always un-enroll.. start with 1%, yeah its not much.. but its something.. and you barely will even notice it gone..