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Contributing too much to your retirement accounts is like eating too many fruits and vegetables- possible, but hard to do.

Save as much as you can, but if you must have a guideline, take the age you started saving, subtract 10, and save at at least that much of your gross income. So if you started saving at 25, save at least 15% of your income.

If your 401k/403b fund options are decent, max out these contributions. You'll never regret watching that money grow tax free for decades. Do the Roth too, if you can.

Finally, have your wife demand her employer offer mutual funds as well as annuities (if they do not) for the 8% contribution.

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