<prompt> Human: My employer contributes 8 to my 403b regardless of how much I contribute and my partners employer mandates that he contribute 6 to a state pension. His employer contributes 7 to his pension and 5 to his 403b regardless of what he contributes. So we are putting away a good amount into retirement since we are 2829. However, I have not been able to find any advice for how much to contribute to a 403b if your employer contributes regardless of how much you put in. I hear contribute until you get a full match at least then do x or contribute the limit but neither situation applies to me. I want to open a Roth IRA at some point and its been floating in the back of my mind as a way to have an additional emergency fund as well so I dont have to have so much cash liquid.Does anyone have resources for how to allocate retirement money when your employer doesnt match contributions?  <response>: I hear contribute until you get a full match at least then do x or contribute the limit but neither situation applies to me.Sure it does.Lets look at it. contribute until you get a full match at least, for your 403b, contributing 0 gives you the full match. So, thats where youd stop for that step.Sounds like its the same for your partner.Now, you move on to the then do x part. 