<prompt> Human: 401k in the title is an error. Should be 401kMy employer matches 4 of my contribution to my 401k. I contribute the full amount that they match. My 401k is invested 50 in a 25 to go fund and 50 in a 35 to go fund. My wifes pre-tax income is 95k with 30k in 401kMY yearly income is 75k before taxes. Monthly combined family income after taxes is around 9500Mortgage is 2900mo, Car 1: 465, Car 2: 411. No credit card debt. Total household income including wife is going to be 170k for 2018. She has started a new career in the last few years and a new position for this year. I dont want to live in poverty when Im too old to work. What should I do? Thanks! I have added some more relevant data to the post as others have asked for it.  <response>: You need to save a hell of a lot more. 3,500 a year isnt anywhere near enough. 