<prompt> Human: My husbands company matches 401k contributions up to 6 so he has always made that percent. Reading through this subteddit I see that 15 of income is the recommended amount to save towards retirement. If he is saving 6, and his company is matching that, would that mean were already at 12? If he increased his contribution to 9 would that be sufficient for retirement?Since my income isnt calculated into that amount should I also be saving my own 15, perhaps in some kind of IRA? I dont have a 401k through either of my jobs.  <response>: You want to be saving about 15 of your household income. It doesnt matter if you save it, your husband saves it, or your company contributes it. If you dont have a 401k you could use an IRA, or just have your husband chip in more. Its really a total household savings. If you exceed the limits on an IRA 401k you can still save, you will just have to use a regular taxable brokerage account. Its not quite as good as the tax-advantaged accounts but its better than not saving. I.e. dont let the IRA amounts limit your savings.One other way to measure retirement savings progress is that you want to have about 1X your annual household income saved for retirement by the time you are 30, then another 1X for each 5 more years ending with about 8X when you are 65. If you save 15 a year and assume moderate growth, that will keep you about on track.If you are behind that 1X 5years metric you might want to step up your savings to 20 if possible until you catch up. 