What percentage should I contribute to my 401(k) per paycheck? This question tugs at the hearts and wallets of many individuals embarking on their financial journeys. With the myriad of recommendations that proliferate financial literature and the plethora of advice from peers, how does one discern the optimal contribution rate? Should it be a steadfast 10%, or perhaps a more ambitious figure? Given the complexities of personal financial situations, including expenses, debts, and long-term goals, how can an individual strike the perfect balance between current liquidity and future financial security? Consider the potential impact of employer matching contributions, investment growth, and tax implications as well. Furthermore, how does one’s age and proximity to retirement affect the decision-making process in this realm? In the ever-evolving landscape of retirement planning, how might one adjust their contributions as their circumstances change, ensuring not just adequacy, but longevity in their retirement savings? What are the best practices one should heed?