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@patchrex With your pensions you might be able to make the argument for 10% in the 403b. I would check with a fee-only advisor in your area to help build a plan too if you want more detailed help. Preferably one that charges and hourly fee.

@patchrex Just general rule of thumb. The goal is to be setup for retirement but not over contribute. You can be retirement rich but life poor.

@patchrex They may not, so in that case you would contribute to the IRA's up to their max and then contribute to the 403b if you have not met 15% of your gross income. Anything over that 15% would go into a brokerage invested for "partial" retirement purposes.

@patchrex General consensus is to contribute to the 403b up to the employer match (if applicable), then max the IRA, then go back and contribute remaining to the 403b. If your 403b has low-fee investment options, you can go just stick with the 403b. I have some pretty low options in my 401k so I...

@jilleighan7 Some starting points in this order: Six-month emergency fund Pay down debt (credit cards, high interest, cars) Contribute to retirement accounts Contribute to HSA if applicable Contribute to after-tax brokerage accounts