Pay Dirt is Slate’s money advice column. Have a question? Send it to Kristin and Ilyce here . (It’s anonymous!)

Dear Pay Dirt,

My spouse and I are both 43, and combined we have $800,000 in retirement accounts. We both max out company matches, which are generous for both of us. By age 65, we could have $3 million! We’ve been reading about the concept of “Coast FI,” and are considering reducing our contributions and enjoying life a bit more (plus paying down debt more aggressively). But turning down the company match, which is “free money,” gives me pause. We both had it drilled into us to always max out our retirement contributions and get a full company match. The devil’s in the details, but are there any general guidelines to making this pivot?

—Coasting?

Dear Coasting,

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