<prompt> Human: Hello,So my privately held employer has an ESOP employee stock ownership program that my company contributes 10 of my pretax income to every year. It goes up 4-10 every year. I believe they do not match our 401ks because of this.Right now Im saving 22 and investing 22 of my net income. Ive also maxed out my Roth IRA and will continue to do so in the years to come. I really dont like the 401k plan since they dont match it and have only been giving 1 up to this point.x200B;Am I wrong in contributing 1 or should i continue using my post tax income on investmentssavingsroth ira contributions?x200B;x200B;x200B;x200B;x200B;  <response>: 44 total savings rate is fantastic. Obviously more is better but youre doing fine. 