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*I* would max out everything.
You're right about putting in at least 5% (free money, and all), but the more you put away now, the less dog food you eat after retirement. :)

Realistically, though, I'd put in at least 15%.
If you salary is high enough that you would go over the federal limit for contributions ($10,000, I think)
the company should shut off your contributions for the year when you reach the limit. Thus, you get another *raise* near the end of the year. sweet, huh?

Congrats, and good luck!
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