Do I have to match all $3,000 at once?

No. You can match multiple times up to a total of $3,000 while you’re in the program. There is no amount too small to match. As an example, you could match $300 toward the security deposit on an apartment, then you could continue to save for a couple years and match $2,000 toward the down payment on a car. Then, later, you could match the remaining $700 toward tuition.