It's Brian Preston, the money guy, restoring order to your financial chaos, retirement,

investing, taxing.

You've got financial questions, he's got financial answers.

It's Brian Preston, the money guy.

Derrick has a question, he says, I'm 29 and I'm over the money guy income limit where

25% that rule of saving 25% excludes the employer match.

So you're kind of saying, all right, if you're making this much, you need to be saving 25%,

not counting your match.

But is that too conservative if my company has a 12% dollar for dollar match with no cap?

So theoretically, he could be saving like 37% counting the match or something like that.

So how do you go about thinking through a circumstance like that?

Well, look, there's actually multiple things going on here, Bo, but just to kind of lay

it out.

He says he makes more money because in by the way, let me give the guidance because I

mean, I know what he's talking about is that I share all the time that I don't, I want

you, you can count the employer match in your 20 to 25% and really it's 25%.

I'm just going to go and say it, I want you aspirationally saving and investing 25%

of your gross income.

And a lot of you will say, well, yeah, but do I get to count my employer?

And I'm like, yes, as long as if you're a single individual, as long as your income's

less than 100, but for households, it's 200,000 if you're married.

And the reason I say that is, first of all, I think it's very nice if you actually get

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