<prompt> Human: Hello PF!!Most likely a simple question, just looking for some of your ideas. I work for the mayo clinic, who up to this year, was offering a 4 company match to our 401k, however has now cut that match to 0 and started a pension. The pension is 2 of employees yearly income for up to 30 years- this number would turn into my annual pension. My question- Now that our employee match is 0, does it make sense to keep my contributions at 10 of my income? Would it be fair to throttle them down to 5, and rely on the pension? Another option would be taking them down to 5, and starting a Roth IRA through Vanguard and contributing the other 5. My yearly income is around 80k.Thanks for reading, hope this all makes sense!  <response>: Just because you have a pension now doesnt mean you should cut the amount you save by 50... 