<prompt> Human: Looked in the wiki and did not find anything that directly touched on this.Much has been said about contributing at least 15 to a retirement account.My employer currently contributes 4 of my base income.My question is: Should I count my employers contribution toward my overall savings rate goal?In other words: If I set my rate at 11 would I meet my goal of 15 since Im including my employers contribution? Or, is the overall consensus that the 15 come directly from earned income only? Any contributions from employer is just gravy.Assistant: Depends on your goals. Do you know when you want to retire and how much money you want to have? Have you used that to estimate projections of how much you should put in? Do you have other productive things you need to put the money towards right now? How close will 15 get you to maxing out your 401k space?If you arent sure on these things, then Id say the right answer is to put in as much as you can afford. If you can afford to put in the full 15, go for it. Youll never regret putting a few extra bucks towards retirement. If you cant its a moot point.Human: 15 does not get me too close to maximizing my 403b for 2016. We do not plan on retiring early and have a good 25 years before retirement age. We would like to have enough in our retirement accounts to live mainly off the interest. However, we still have two kids to get through college so we are trying to determine how much to put into retirement while also contributing to their college funds.  <response>: Dont forget that your kids can get loans for college but you cant get a loan for retirement so make sure you fund your retirement fully before you start saving for the kids. 