<prompt> Human: Lets do a soundoff of monthly contributions.Mine401k: 305 6;HSA: 229.17 maxing out yearly HSA limit of 3250Employer401k match: 177.92;Employer cash pension: 203.33Total: 915.42;61k gross income. 23 yo.Ive been using this 50-30-20 rule for need-want-save expenses. I realize it doesnt matter that much, but Im not sure if I should include employer retirement contributions in my saving part of the budget. If I include them I save about 22, if i dont, its more like 14.Assistant: Some of you are saving 40-50 of your salary for retirement. Doesnt this seem overboard? Having to pinch pennies now is no different than pinching pennies when youre retired.  <response>: Saving 50 doesnt necessarily mean youre pinching pennies. If youre comfortable with life at a certain salary and dont inflate your needs with subsequent raises, you could easily save over 50 without feeling a thing. 