<prompt> Human: Ive overheard a lot of coworkers talking about retirement since the company has been reassessing their 401k plan and because the tax laws are changing. It seems like all of them are only putting a small amount into the 401k. Nobody mentioned an IRA. I am able to max both my accounts every year without much trouble.Its possible I make much more than my coworkers but probably not by much. Most of them are also married so they have double incomes while I am single. They go on big vacations and go out to eat all the time so I dont think theyre in financial hardship. So is there a valid reason to not put the max money into retirement accounts if you can afford to do so? Is this a strategy Im not aware of or are they just making bad decisions?  <response>: People talk themselves out of making the right decision all the time. If a comfortable retirement is what you desire, maxing out your retirement contributions every year is a pretty safe bet to make it there. 