I have always advocated taking advantage of "employer match" programs. My employer matches $ for $ up to 6% of pre-tax. I have always contributed the max allowable, which is currently 18% + 6% match.
I can't understand why people wouldn't at least go for the 6% to get the full match. Too many people focused on pennies, pushing dollars out of the way to see them.

How much will I, or anyone else need? You can drive yourself crazy trying to weigh all the factors, but my goal is to minimize/eliminate all debt, and have as much cash reserve as I can accumulate.

Foxtrot, any further info you care to contribute on irrevocable trusts would likely be appreciated by most of us here.

sent from me