“Employer matching is one of the simplest ways to boost retirement savings automatically. Many employers offer a match as a percentage of the employee’s contribution up to a limit — for example, ‘50% match up to 6% of pay.’ That means the employer will add 50 cents for every dollar you contribute, but only on the first 6% of your salary. Behavioral research shows people often under-contribute and miss this free money, which is why financial educators frequently emphasize capturing the full match before directing extra savings elsewhere. This short scenario focuses on the mechanical question: given a stated match formula, what percent of your salary must you contribute to fully capture the employer’s match?”