The fact is that investments like these are a key part of how wealthy people become and stay wealthy. This is your chance to make an investment in your future quality of life. 3% today is not much… but what that 3% can build for you over time can be life-changing, especially since Ōnin doubles it for you right out of the gate. The question you have to ask yourself is what is more important: a cheeseburger today, or the quality of life you will enjoy when you decide you’re done working?