<<I'm just starting my first "real" job, and need to determine how much of my income I want to allocate to my 401k.>>I'm guessing that if this is your first 'real' job that the income is far greater than any income you have had previously. Given that, I'd recommend putting the MAXIMUM permitted by the plan into it.It worked for me, I'd be happy to discuss in more detail my experiences. My email is: email@example.com
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