There’s no one-size-fits-all answer. Many experts suggest contributing at least enough to receive the full employer match. A good long-term goal is saving 10–15% of your income (including employer contributions).

Yes, you can split your contributions between Traditional (pre-tax) and Roth (after-tax) to balance tax benefits now and later. Grace will match both/either up to the limit.

Roth accounts are often better if you expect to be in a higher tax bracket in retirement, since withdrawals are tax-free.

You can log in to the Guidestone website (or app) anytime to adjust your contribution percentage, investment elections, or beneficiaries.

Retirement plans are designed for long-term savings. Early withdrawals (before age 59½) usually come with taxes and penalties unless you qualify for specific exceptions. Roth contributions (not earnings) can sometimes be withdrawn without penalty. Check with your tax specialist before doing so.

You keep the money. Your contributions, as well the Employer contributions, are fully “vested” from day one. When you leave, you can typically:

• leave your balance in the plan,
• roll it over to a new employer’s plan, or
• roll it into an IRA.