<prompt> Human: When people say to contribute 15 to your 401k, are they including the company match in that figure?For instance, my company matches 8 if I put in 6 ... so Im putting in 6. So is this 14 contribution ok or do they mean I should be putting in the 15 BEFORE the match?For the record my company maxes out their match at 6 so it doesnt seem to make any sense to put in any more than the 6, especially when I have savings I need to build.Does this seem right?  <response>: There are two advantages when you do not count employer match as your own contribution: You save more You become used to not seeing the 15 in your pocket. If you change jobs or the employer cancels the match, you wont have to scramble to make up for the missing . 