<prompt> Human: Hey guys -- frequent visitor, but throwaway for account purposes. Girlfriend recently got a new job, and Im very confused by the HR verbiage regarding the 401k matching program -- here is the direct text from an HR directors email:The first thing is that the match is a percentage of your total contribution, not a dollar-for-dollar match to your contribution. So lets say that the match is 4 2017 figure: Example Your annual income: 25,000Your elected contribution to your 401k: 4Total contributed by you over the year: 1,000Company match: 40So what percentage should I recommend she contribute? Im a little confused as this doesnt seem like the normal matching program Im used to seeing. Any help is appreciated -- thanks!  <response>: This is silly, it probably costs them more to run this nonsense in admin hassle. My instinct is that HR has no idea what they are talking about. I would call the plan administrator.The basic rule of thumb, match or no match, is to contribute 15 to retirement. 