I have no debt :)
but no matching :(
Excellent on the debt side...not many people can say the same in this day and age.

Bummer on the matching, but still worthwhile...just invest what you can without causing you undo hardship.  Don't invest what you can't lose...even if it's just $100 a month.

No employer match...then look very carefully at the choices offered in the account.  If they are high-expense and low-performing (and these frequently go together) you may be better off in several broad index funds in a taxable account. This is a complex topic and can't really be dealt with in a few words on a drumbeat.