<prompt> Human: Whats everyone thoughts on general rule for what to allocate to retirement savings? I am 35, no debt, approx 70k annual income, currently max out my roth 5500, 40K in roth, 22k savings. I rent, and own my car - no payments. Im wondering if I should defer some funds from my paycheck to the company 401k no match. Thus far I have not contributed because I was building my emergency fund, and would like to start saving for down payment on a home. I live in a very expensive area where a home will likely run me 500k. Curious to everyones thoughts on my current strategy. If I do start saving in the 401k, is the 15 rule gross or net? And to those who are also saving for a down payment for a house - how do you balance this with competing demands like retirement funding?EDIT: Let me add that Id like to get married which would hopefully bring at least 100 more income towards a house down payment of a 500k home. If that doesnt happen, I wouldnt buy more than 250k home with my income.  <response>: The 15 rule is generally a holistic view so if you put 6 in your 401K you should put 9 in your Roth. 