I started downsizing b/c I was planning a wedding, buying a house and getting stressed about money!  Now I won't go back up until I feel things are better.  I could turn it off completely but i have hope that my 5% will someday earn me some cash for retirement.

I don't check mine often but it's sad.  I am just glad I have a LONG TIME before I'll need it and I hope that things turn around!