I have it deduct 10% of of gross income every pay cheque. I've done it since the beginning, so I honestly don't even notice it. My company contributes an additional 40% of what I put in(going to be 50% soon now that I've hit a certain amount of years at my work). I've pulled out a portion of it once a few years back to buy my first house. I figure it saves for the future (even if I use it as a last resort rainy day fund), I get a nice little tax break with it, plus my company gives me additional money. It's a win-win-win situation.
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