<prompt> Human: Hi everybody,I know this question has been asked so many times but im struggling to understand the concept of how much i should be contributing. I would greatly appreciate some advice from someone more knowledgable than meI am 22 years old making 67,800. I have not gotten my first paycheck yet nor have i have picked benefitsprobably 80 so its hard to say what my take home is. Work is in VA and i live in MD if that helps.I currently signed up to contribute 10 into my 401k bc that is what is recommended. I also have the option to contribute to a Roth 401k and not sure if i should. My company offers this:We match up to 6 of your contributions at a rate of at least 25 cents on the dollar. We currently match dollar for dollar up to 6.after 1 year of employment Regardless of your type of contributionpretax or aftertax and both; we will continue making contribution on your behalf up to 6 of your eligible compensationI would greatly appreciate some guidance on how much to contribute into 401k or roth or both. Thank you!  <response>: Saving for retirement, the rule of thumb is 15 but thats a blunt instrument in terms of advice. If you do 10 and they do 6 starting after 1 year I guess? thats a good start. You should look at retirement calculators like 401k growth calculators to plan whether that looks like a good track for you, though.In general, though, you should be saving as much as you can without making your life uncomfortable. Depends on your goals, of course - if youre saving for a shorter term goal, you wont save as much for retirement, and thats fine as long as it all together fits your plan. Personal finance is personal, its about your choices and your goals. If you have nothing else to save for, putting as much as possible into retirement savings now is a good way to make your life easier later save more now, you dont need to save as much later, when maybe you have a house, family and such to spend money on.The sub generally suggests doing 401k up to the level of getting a match, then doing a Roth IRA usually better, cheaper funds available if you choose a good provider; also some of the money can be easily accessed before retirement if absolutely necessary up to the cap for that, then going back to the 401k if you can afford to save more.Take a few months, make sure your lifestyle supports your 10 savings or, if things are good, even more saving. Then consider opening a Roth IRA the sub recommends Vanguard, Fidelity, or Schwab as good providers and figure out how much you want to mix your savings between the IRA and the 401k. Just make sure that, whenever you get to the point where the company is matching your contributions, you max that out in your 401k. 