DH and I currently put 28% of our income into our 401k's. Both of our companies match up to 6%. We put the extra in just because we wanted to make sure we were saving enough and since it is automatically taken out of our checks we don't even have to think about saving. My question is this: Since we are losing so much right now and the economy is so stale, would it be smarter to decrease that amount and put more into our savings? We have an online savings account and get a great rate - 4.24%. I keep thinking at least that way we are making $$ instead of losing it. I wouldn't think of taking anything out of our 401k and I wouldn't drop below 20% of our income. Any advice?