<prompt> Human: For Retirement:I put away about 16 of my income into my 401k 14 pretax, 2 Roth 401k and I get a 7 match making it a total of 23. My wife puts in 5 and gets a 4 match for 9 all pre-tax. If I include the match its a combined savings of 18 and its about 12 without the match.Ive been told to save 10-15 of my income, but do I include the employer match? Im either told nothing or to ignore it and it should make up for down markets. EDIT: My match is 100 vested. My Wifes is 40 increasing 20 a year until she reaches 5years, after that its 100. No Roth IRA I cant talk my wife into that, but she accepts the 401K money because that never enters the bank account. We have money left over at the end of the month, and a 6-8 month emergency fund. I even save for my kids college. We also have 60k in student debt and a 220K mortgage.OpinionsAdvice?  <response>: I would ignore it because there is no harm in saving extra money, and for me, the savings goal is there as a buffer. If I need to replenish my emergency fund because Ive had an emergency, I can dig into my x savings in my cash flow. 