Count the Match or Not?

Matt shouldn't factor in his company's 4% pension match into the 15% he's investing in his own retirement plan.

QUESTION: Matt and his wife are both 24, debt free and have $16,000 in an emergency fund. On Baby Step 4, how would he factor Matt’s 4% pension match into the 15% that you save?

ANSWER: You ought to put in 15% in your retirement plan, so don’t factor in company matches into that 15%. If you save 15% and the pension plan goes under, you’ve still got your money that you invested.