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Message: <blockquote data-quote="jakeman" data-source="post: 3889417" data-attributes="member: 10690">As much as you can afford that the plan will allow. If they allow 14% and you can afford to live without it contribute 14%. If that is 8% then it’s 8%. If it’s 4%, you need to figure out a way to live with contributing 6%. Get in as soon as they will let you in. As you get raises, roll them into the contribution. Lots of plans have an option to auto raise it 1% a year til you reach the max. If your company has a matching plan and you aren’t in it you’re screwing yourself, and I don’t mean a little I mean a lot and to the tune of millions of future $’s. Millions, if you’re still young. If you can’t afford to be in your plan, you absolutely can’t afford to not be in your plan. Get in your plan.</blockquote>