Company 401(K) - why I WON’T be contributing

So upon reading all the paperwork that came in the mail for new hires, I found out that my new company offers a 401(K) after 6 months of service - and they match 30 cents to the dollar, up to 10% of your income. Cool right? Wrong!Just got an email from HR today on the 401K thing - they moved it up to 30 days of service, not 6 months. Cool right? Wrong!The 401K administrator is a crappy no-name company. They have crappy funds too. Also, employer match is on a vesting schedule. After a whole year with the company, they’ll let you keep 20%. LAME! Mind you, I work for an OK company that provides services to a very cool company. I am on site at the very cool company as a contractor/vendor. I fully intend to go permanent with the ultra-cool company instead.Anyway, on top of that nonsense - I also have other priorities. I need to contribute $5000 automatically next year to my Roth IRA. I also still need to contribute the $4000 to my Roth for 2007 - a goal that I set back in January. The gist is, my retirement egg will still be attended to.On top of that, I need to build up an E-fund, pay down CC debt and contribute an extra $100 per month to my mortgage principal. Very hefty goals for 2008 but very doable considering the recent change in living arrangements.Stay tuned for further updates…..