<prompt> Human: Hello PF,I just got my first job out of school and am having trouble maxing all 3 of these retirement accounts. I was wondering which of these accounts I should focus on maxing out the yearly contributions to first, second, and third. 401k - I am currently contributing 6 with a 100 match up to 6 of my salary HSA - Currently contributing 300mo to hit the maximum for individual Roth IRA - Currently contributing 200mo, will not hit maximum yearly contributionsIf I were to pull back or change my contributions on any of these 3 accounts, which should I do? With the current contributions I am saving about 25 of my total income for retirement.  <response>: Dont worry about maxing your 401k--thats 18,500. Just keep doing up to the company match. Then max out IRA. HSA if anything left. 