answer:You don’t say how old you are. While a dollar saved at age 25 is three times as valuable as a dollar saved at age 50, your salary is also generally lower at a younger age. 10% is a good guideline if you have no other savings going on. At a minimum, maximize whatever you can get matched by the company, because that is an instantaneous 100% return on your money. But once you have a set amount, and it is gone from your paycheck, don’t fret too much. Look over your 401k once every few months, but don’t tinker with it too much as that will affect your returns. And then enjoy your life knowing you are saving for later but not being overly concerned about it.