I max it out annually, which turns about to be 20-25% depending on my bonus and other stuff that might wobble my income.
I also try to front load it as much as possible, to get that maximize that sweet time value of money. So I'll set it for 50% for the first half of the year and switch it to 6% as optimal for employer match and trying to hit the limit on my last paycheck of the year.
I also also try to contribute the full amount to my Roth IRA as soon as I can in January, though that depends a little on how much Christmas has cleaned me out.
Oh, and I'm basically using my HSA as another retirement account.
In summary, I'm trying as hard as possible to retire early, possibly at the expense of living it up in my relative youth.
jesus, forget living it up...how do you live at all on 50% lol ---