So my brother started a new job, I am not sure how this works, so wanted to get thoughts on what you would do? I believe he’s at 78k? Any suggestions on how many % you’d put? He’s 25! TIA!!!

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At 25 — Roth for sure. Max out the 4% match since it’s free money. Anything beyond that is up to him. No idea what his expenses/debts are like so once he factors that in, just try to save as much as he can.

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It looks like supplemental is intended for anything outside of the match, so put the 4% in Roth Basic first, and then any additional percentage put into Roth Supplemental. If he is able to, I’d contribute at least 10% and up it 1% each year to 15%.

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