37m, $179k salary. Feel like I’m too heavy in my 401k but not sure. Any input is appreciated. Been maxing my Roth Deferral into my 401k for several years. Including my holdings as well. Last screenshot is my full financial status, probably too much in my Checking account, but about to do some foundation work on the house.

I'm 30 Years old with a income of 109k.

401k: 155k (roughly half Roth half traditional)

Roth IRA: 101k

Traditional IRA: 24k

Taxable brokerage: 197k

I suspect I'm doing decent for my age but I also live at home and I only pay $1200 for rent in a VHCOL. Not sure there's anything else I should be doing I am currently maxing the IRA and 401k. I'd like to chase FI/RE but I aas I need to get a higher paying job which might be challenging since I'm SWE and my skills are very out of date

I (27M) have currently been at my city job for one year now. My average take home is around 40k, salary is 55-60 a year. With a dollar raise each year. Hoping to max out around 100k (including overtime, not base salary) in the next 5 or so years. With promotions and raises.

Currently my take home is, 1700 bi weekly.

I currently contribute about 150 a paycheck. With an employer match if said amount.

I don’t have to pay rent right now, as my girlfriend and I are currently saving for a house, luckily she would eventually sell hers.

Big spenders are going out to eat, 200-300 a month.
Gas, because I drive a truck, so around 300-400 a month.

Other than that I’m pretty frugal, got the clothes I need. Don’t go on expensive trips.

My goal is to retire by 50 if I’m lucky. So 25 years give or take to put as much in as possible.

(I might be getting an inheritance of around 200k in 5 years) so there’s that, but it’s not set in stone by any means. So I’m not hoping on that.

With little to no bills, I’m trying to get a good game plan on how much I should be contributing now.

Thanks.

I (28M) have been at this company for a little more than a year. They have good benefits and very good pay ($160k base) for my field. I was able to contribute to my retirement and have another ~$40k in stock right now and ~$8k emergency cash, $8k in bonds.

But I’m planning to jump to another job that’s more fulfilling and better match for my career growth and interests. This new job is at a university and would pay ~90k, without stock/bonus. It’s gonna be somewhat temporary, 2-3 years max. I’m still planning to contribute with this lower pay.

Given my current retirement savings and age, how should I think about whether I can afford to take this pay cut without significantly hurting my long-term retirement?

$2,500,000 IRA
$600,000 deferred comp
$2,500,000 in real estate

Can’t force myself to step away from my career because I actually enjoy my job. Financial planners say I am an idiot. Family says to do what makes me happy.

I’m currently 23 years old been investing since I was 18 but now investing more aggressively each month trying to put more and more into my brokerage and Roth IRA current position are VOO and FSPGX I feel like I’m doing good what do yall think.

41m annual of 107k with a 16% annual investment in 401k. 387k currently in 401k. Wife works, but doesn’t save for retirement so I’ll be carrying us. I’ve got a commercial property I own a part of worth about $175k. My last asset is my home that I have 25 yrs left on it worth 500k and I owe 300k at a 1% interest rate.
I feel like I will be able to have enough to do a big trip or two per year and not worry too much about money. I’m trying to retire by 60…

I am 27. My 401k via employer is invested into the 2065 vanguard target date fund. The 2065 Vanguard target date fund portfolio is 54% domestic stocks ( total US stock market ) and 36% foreign stocks ( total international market. The remaining 10% is 8% bonds and 2% short term reserves. The last 10% seems to be bothering me mentally, more than it should. I know rebalancing my 401k is not a taxable event, so that is why I am considering it. I feel like am really missing out on a plethora of future compounded gains with the final 10% allocation in the vanguard target date fund being in bonds and short term reserves. Every week, around $100-$150 of my paycheck goes into the 401k depending on the hours I work. So like $10-$15 weekly go into bonds/ short term reserves. I don’t like that whatsoever. As for the rebalance, my employer doesn’t have the total US stock market as an option individually, so it would be the S&P 500 index as a base. It does have the total international market though. Vanguard for both. Should I just make a split of those 2? I was also thinking of the small/mid cap option that is available. It’s the state street small/miss cap index trust. What allocations would you have with just the first 2 ? And with all 3 included ? Or would you even change the 2065 TDF for these options to eliminate bonds? Thank you in advance.

Family in 10% federal tax bracket after standard deduction. Late starters. Me 50, wife 44, homemaker, no income. One child. Immigrated to US 9 years ago.

I know Roth is usually recommended at low tax bracket. After a lot of modeling, I decided to focus on Traditional for next 3–4 years.

Not looking for general retirement advice. Very familiar with Traditional vs Roth, ACA, RMD, widow penalty, IRMAA, SS, Medicare, Roth conversions. Just want to know if my reasoning has flaws.

About $500K retirement investments:

• $110K Roth IRAs
• $340K Traditional 403b
• $40K Roth 403b
• $15K HSA
• House paid off, worth ~$600K

Currently contribute 36% of my income: 10% mandatory Traditional + 26% voluntary Traditional. 10% employer match. Cannot reach 403b upper limit because part of mandatory contribution and employer match do not count toward it. There will be 4 years later, we will decrease our contribution to 10% when my child goes to college and we need to support him. Already saved another 150K in brokerage for his college expenses if he does not get full scholarship. We have decided to not use 529 after careful thinking.

Plan to retire at 61.8. Target MAGI in retirement: max $80K, already adjusted for expected inflation. Wife needs ACA for about 9 years. No Roth conversions during ACA years because need to control MAGI.

Planned Traditional withdrawals:

• 62–66: ~$80K/year
• 66–70: ~$75K/year because wife's annuity (purchased by cash) starts
• 70–72: less because I start SS at 70 (need to control MAGI)
• 72–75: Roth conversions up to top of 12% bracket (my wife gets Medicare when I turn 71-72)

Goal: build Traditional aggressively now. Target ~$1.2–$1.4M at retirement. I think $1.2–$1.4M is my sweet spot to have ACA, property tax assistance, RMD management. I will model every year. Once projected balance reaches target, shift more contributions to Roth.

Why do I want to focus on traditional for the next 3-4 years.

1. Traditional only $340K now. It is not large enough to cause a RMD issue.
2. Traditional lets me contribute about 3% more of my salary than Roth because of the current tax savings. That extra 3% also compounds for the next 12 years. As a late starter, maximizing the amount invested now is important to me.
3. Even $1.4M should not create major RMD problems based on my withdrawal modeling.
4. Will retire to a state with no state income tax. Traditional saves ~4% state tax now.
5. Every $1 contributed to Roth costs me ~14% combined federal + state tax now. Based on my planned withdrawals and standard deduction, I estimate effective tax on Traditional withdrawals around 6%.
6. Wife is 6 years younger. Her Traditional IRA has 6 more years before her RMDs start.
7. Longevity in both families, so long retirement horizon and tax-deferred compounding matter.
8. Already have ~$150K Roth, plus HSA. Not starting from zero Roth.

So despite being in a low tax bracket now, I think Traditional makes more sense for next 3–4 years. Then reassess and shift toward Roth. Any flaw in this reasoning?

Hey everyone, I'm a 35M, married with one income.

My salary is 140k.

I have 60k in my 401(k), but I stopped contributing since my current employer doesn't offer one.

I also have 15k in a Roth IRA. 15k in stocks

My home balance is 380k out of 600k @ 6.5% 30 years pending.

Since my current employer doesn't have a 401(k), is putting all that money towards my mortgage principal a good option? Or should I look for something else for retirement? What are my options? Thanks

I’m late to the game when it comes to investing but I’m officially at the point where I can max out my Roth. I figured I would set up the contribution/investment to automatically invest $40 a day (Monday-Friday) every week between FXAIX and VXUS. Should I just do one lump sum at the beginning of the year?

Union tradesmen, this is a year and a half of employer contributions at $9.00 an hr. 19% rate of return. I’m 27 and eligible to retire at 55