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Message: <blockquote data-quote="clintbailey" data-source="post: 3889425" data-attributes="member: 8544"><p>IMO, the lowest to put in is ALWAYS the amount to get the most employer match, i.e. "free money", in your case 6%. I put in 10% for 10 or more years, with a 6% match...then I moved the "extra" 4% to an outside Roth (bank debit every 2 weeks). I will say if you have a Roth option, I like that, saves tax money later very possibly...plus its more accessible with less penalties later if you need to withdraw for some reason. Get that free money for sure!</p></blockquote><p></p>