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I've just finished an article about 401(k) plans. The author indicated 10% of the base salary should be used to fund the plan (I'm assuming he means max funding). I'm a public school employee (20 years until retirement); therefore, I have no 401(k). I do, however, have a state pension plan, a section 457 plan (similar to 403b for state/municipal employees), and an IRA. Despite not having a 401(k), I'm trying to make the article applicable to my situation. My question is: should I include the money going into the state retirement plan as I calculate my total percentage dedicated to retirement, or should I calculate the percentage using only the 457 plan and IRA?

Thanks in advance for your advice.
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