The simplest answer, based on what you have given, is most likely the lowest you will have by the time you retire. Even then, there are several questions/assumptions that need clarified. You have said that 6% is what you put into your 401(k) Plan, but you have not said what the actual Match will be (50% of your contribution? 100%? Up to what limit? 3%? 6%?).

I could tell you that about $75 per bi-weekly paycheck would go into your 401(k), but which option are you choosing: a money-market (most conservative) that is meant only to preserve your principal and roughly keep pace with inflation; or a total stock fund (most aggressive) that is meant to net you the greatest return over the long period and a few sleepless nights when your paper losses become excessive?

Finally, what is your investment horizon - how many years do you have until retirement? If 30 years, you can likely afford a more aggressive portfolio (earning greater returns over 3 decades). Then we could assume your 401(k) will grow by at least 8% on average (a conservative number, perhaps?!).

When are ready to work on your Financial Plan again, let me know. Otherwise, I would suggest finding an objective Fee-Only Financial Advisor to run the numbers, offer customized advice, and help you to continue doing what you want to do in this life.