Dear Dave,

I read where you recommend investing 15% of your income into Roth IRAs and other pre-tax retirement plans. Do you also advise counting a company match as part of that percentage?

Bryce

Dear Bryce,

Employment situations, and employers, can change at any time. I want you putting in 15%. That way, you don’t have to rely on someone else to complete your retirement savings plan.

Planning for retirement is your responsibility. It’s not your employer’s job to make sure you have money to live on in your old age. Stick 15% in there yourself, Bryce. If your employer matches workplace contributions, that’s great. Things will be even better!

—Dave

* Dave Ramsey is CEO of Ramsey Solutions. He has authored seven best-selling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 16 million listeners each week on 600 radio stations and multiple digital platforms. Follow Dave on the web at daveramsey.com and on Twitter at @DaveRamsey.