<prompt> Human: So I am currently an Engineer for the government at 27 years old, and I am making around 73k per year. Currently I am contributing 20 of my paycheck to my retirement fund TSP account, 10 into Traditional, 10 into Roth, and have 38k in my retirement fund. While I feel really friggin good about how much I am contributing towards retirement, after I budget for everything, I dont feel like I am saving enough money outside of my retirement account. According to my budget new to budgeting but I am doing well so far, I will only be saving around 200 a month. I think my income will increase in the near future Hopefully within the year, which will make this problem pretty much go away, but right now I am considering contributing less towards retirement until then. Also I have my emergency fund built up, and am a home owner. I plan to sell my house within a year or so and I should make a decent profit around 30-40k if the market doesnt go nuts . With that profit I would like to move to a nicer home much closer to work. Also I do not really have a goal to retire early or anything like that, I rather enjoy working and I have always thought that I would rather retire late than early. But I definitely want to be amply supplied when I do retire, and I also have no idea how much that is. I dont think I can adequately plan for the amount of funds I will need that long term into the future. Any tax advice is more than welcome!  <response>: Without reading anything other than the title, unless its negatively effecting your life, hell no. If it is, then probably. 