Some people will say that free money is a good thing, and I would agree. However, a 3% match (RH Gold) only yields $225 a year in a Roth IRA if you are under age 50, and $258 per year if over age 50. With a SoFi match, you're only getting $75 to $86, respectively. Those numbers don't exactly light the afterburner for investing. Yes it is free money, but it doesn't amount to much of anything in the big picture.
What am I missing with these accounts? Is it all a gimmick?