Your 401(k) is a powerful tool for building retirement savings, but deciding how much to contribute depends on several factors.
Start as early as possible saving in your 20s allows more time for your money to grow, but even small contributions at any age can add up over time.
Take advantage of employer matching by contributing enough to get the full match, as this is essentially free money for your retirement.
Adjust your contributions based on your salary and expenses, starting with whatever you can manage and increasing your rate annually.
Setting milestones like saving one to two times your salary in your 20s and up to 10 times by retirement can help keep you on track for a comfortable future.
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