 Put in at least as much as your company match. If they're going to put in 3%, make sure you put 3% in so that you can get that full match. Furthermore, if they have a Roth option in that 401k or the 403b, I would highly recommend allocating to that Roth versus the traditional allocation. You want to go into the Roth because that is going to grow for you tax-free for the rest of your life. You're never going to have to take the money out. You're never going to pay taxes on it again. It's huge.