Both DH and I just started contributing to 401ks this year b/c we had been working at jobs with defined pension plans. That makes planning for retirement kind of difficult b/c it's in $ instead of %.
My new/current employer has a pension as well, where they contribute 5% of my salary annually and it grows at a minimum of 5% (not sure how it works to decide if it'll be more). DH's employer has some kind of cash balance plan they contribute on his behalf, but i have NO clue how much nor how it pays out, so I don't "count" on it.
I contribute 7% to my 401k and get a 4.5% match, DH contributes 5% and gets a 3% match. We max out Roths. This all comes out to be 18%. Plan is to increase 401k by 1/2 of our raises each year. That's easy when DH's raise was 10% this year, but mine was 1.5%, so a bit more difficult. I will also start contributing to an HSA in April when we start that insurance program. I hope to max it out within a year or two.
STS is anything left over for the month and LTS/efund goes to the market, but it's only 1% (yikes). We put in 2% to 529s and .5% into a LTS mutual fund for each kid (cars/weddings/house down payment).
Our house is at 3.25% so I don't pay extra on it.
I just refinanced our remaining debt (cars and SL) into a 3 year 3.99% personal loan for various reasons. I didn't actually pay off the SL yet as I'm waiting to see what happens with Biden, but it's ready to be paid off as soon as it starts to accrue interest again. So three years and we'll only have the house to pay for.
What percentage of your household income do you save per year?
401k and roths = I'm not totally sure, but maybe around 10%. 529s (2 children) = We have established these, but aren't contributing right now. Extra mortgage payment = Only enough to make it a round number - so something random like $14 extra per month.