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1. Update your budget to include your investments.

The 15% includes what you are investing into 401(k)/403(b). It does not include the employer match. If you are investing less than 15% into your 401(K)/403(b), supplement your investments with IRAs, mutual funds, stocks, etc.

Learn More About Goals and Budgets Setup Goals and Budgets

Use our Freedom Retirement Calculator Freedom Retirement Calculator to see how much you should save to meet your retirement savings goals. Then, add your investments in your budget to track your progress alongside your expenses.

2. Contribute the maximum to your 401(k)/403(b) every year.

The maximum contribution limit for 2023 is $22,500, with an additional $7,500 catch up contribution available to those 50 or above.

Your company’s match is not considered part of your 15% investment. You should be investing 15% in addition to the match.

3. Continue to work with your advisor-recommended plan.

You’ve got your plan, but there may be questions along the way, or you’d like to review other investment options. Stay connected with your advisor if you need additional resources or recommendations to put your retirement plan into action.

Member Story:
Invest 15% of your income - Milestone 7

“I finally got to Milestone 7. So excited! Finally able to invest 15% into my retirement account, a goal I’ve been chasing for awhile!”

MicheleOrlando, FL