How much of my salary should I actually put into my 401(k)?

Aim for 15% of your gross pay toward retirement, including the employer match — that's a widely cited target for staying on track. If 15% feels out of reach today, start by contributing at least enough to capture the full match, then raise your rate by 1% every year or with each raise until you hit 15%. High earners chasing early retirement or a generous lifestyle may push toward maxing out the full $23,500 (plus catch-ups). The exact number depends on your age, when you started, and your goals: someone beginning at 25 needs a lower rate than someone starting at 45, who should save more aggressively to catch up. Don't anchor to the low default auto-enrollment rate. Check whether your current pace gets you to your goal at wealthserene.com/assessments/retirement-readiness.