<prompt> Human: Hello, Im a 29 year-old teacher, and Ill have a pension when I eventually retire. I signed up for a 403b program, which is like a 401k, but my employer doesnt match any of my contributions. Im currently contributing 300 a month to my 403b, which is 9 of my net income after taxes. I am making 1.25 APR on my savings through Ally, but I wonder if I should be contributing more to my 403b even though my employer doesnt contribute to it. Im also saving to purchase a house, and I have enough for a nice down payment but would like to save more for it in order to lower my mortgage payments when I find a house that I like and can afford. Other details that might be important to know:-Im single with no children. -I live in Washington State.-My gross salary is 61k, and my net income is 40k. -I have no debt, and I have quite a bit in savings.-I currently rent an apartment.  <response>: Wife and I have pensions as well both 32yo. Ive taken the approach of saving as if it doesnt exist, social security for that measure as well. If we get 20-25 years down the road and theyre both still around, then that is a nice bonus. We differ in that we both receive matching to our 401k403b 6 and 5 respectively. 