<prompt> Human: I work for the State of California, which currently takes about 12 of my paycheck that contributes to a pension, and starting July another 3 will be taken out to fund post-retirement healthcare. My job also contributes to social security, and Ive been saving another 10 into a Roth 401k provided by the State the State does not match contributions on Roth or traditional. The pension Im in is a 2 60 formula, and if my napkin math is correct I should be receiving 76 pay if I retire at age 60.What Im having trouble with is how to safely plan my retirement assuming my pension wont be there. Its pretty common knowledge that the pension system in California has many flaws and is unsustainable one reason we are now contributing more starting in July. When Stockton, CA declared bankruptcy, one of the first items proposed for the chopping block was the cities pensions. Is my additional saving of 10 of my paycheck too little? I have thought of contributing more, but with 13 already taken for my pension, its not something I can easily do.Thanks for any advice!Edit: added social security contribution as wellAssistant: I used to be a county employee eligible for the state pension. Unfortunately, our state keeps raiding the pension fund because its broke and it also is talking about cutting the pension fund severely. I would honestly treat it like Social Security. I am 36. I have no idea if Social Security will be there when I retire and if it is I dont know what it will look like. I would plan that its not going to be there at all. If it is there, then great. Its just gravy on top of an already solid retirement plan. At the end of the day, people dont complain about having too much money in retirement. Human: Thats a pretty solid piece of advice. At the end of the day, more in retirement is a good thing. But being forced to contribute to a pension and then optionally contributing additionally to a retirement essentially double saving for retirement eats into my short term savings and enjoyment of life now. I guess Ill need to sit down and find a comfortable compromise.  <response>: I agree that its a sucky situation. I wouldnt advise it if state run pensions were stable. Unfortunately, politicians have a tendency to raid them every time they overspend and both parties have a tendency to over spend. Few people think long term so raiding retirement to pay for schools today sadly makes too much sense to people. 