Our 401k is 100% match up to 5% and employee must contribute at least 5% for non-union employees, now for union they don't have to contribute anything but get the 5% from our employer. I put in 10 or 11%, it bumps 1% every year automatically for the last couple years. Now as our kids are grown, I'd love to sell and move but don't see it happening for a while, 1st grandkid on the way. House will be paid off sooner than later, so I see us snowbirding with a camper for retirement. Wish Buc-ees would come to PA these wages are close to mine and I'd retire early, work pt there and just go on my wife's benefits. Hers are better than mine anyways. That shift diff is very nice @ $2/hr, shoot my first job paid $4.15/hr.