I can't match the $5k
That's alot of money
Got bills to pay man.
I match whatever I can. Usually $25 per paycheck
Ain't no biggie to me. I live and spend in the moment. Save if there any left over
Because you are just one car crash away
That was an example. If they were to give you $5000 for every $500 you can put in, I'm sure you wouldn't hesitate. Heck, even if they were to match what you put in, you would be an idiot not to take it if you can afford to, for example $500 for $500.
I think you got it wrong. Save first then spend because if an emergency should happen, you'll have a cushion to fall on, otherwise you will be so bitter and complain about people who could afford things.
And I'm okay with death whether it be a car accident or health issues or whatever. I'm living my life to the max and I'm happy.