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@downloadersam Any metric is under the assumption you are saving 15-20% of your income. This does not include employer contribution, it’s trying to get people to save more, not less, which is why it’s not factored in.

@downloadersam Er.. not how this math works unfortunately. 15% of their total income would be nearly 32k, which would be fine. Doing 9% on 97k is 8730 and 6% on 116k is nearly 7k. Which puts their combined effective contribution rate at a little over 7%, not 14.5%. Also the 15-20% contribution...

@wezekes You should both be at very least contributing 15% to retirement, 6% is pretty low.