I'm at 13%. Contribute what you can afford and what you're comfortable living with. If you can tighten your belt a little bit without sacrificing TOO much, give it a try.
edit: as far as taking it with you when you leave, 401ks are eligible to be rolled over into an IRA account. Your 401k plan should have more details but I'm pretty sure they're legally required to allow you to roll it over.
they do - what i did recently - was roll over my ex company 401k into an IRA account at vanguard (or where ever you like). What happens is the old company will just liquidate your 401k - write you a check and you send it over to the new IRA or you can see if they will send a wire this way you dont get taxed (for now)
__________________
94 Chevy Blazer - brother crashed.
94 2dr accord - h22 swap, rear ended.
03 1.8 gti - waiting for her bag of chips.
:crazyr: :slap: :hsughr: :nec: :madr: