<prompt> Human: Im a 32 year old software engineer with a current personal income of 160kyear. My retirement total is 100k. That is broken down into 75k 401k 25k roth. I do have 300k in my taxable account... I spent years not maxing my 401k. Im maxing it now though..How bad is 100k in retirement accounts for 32 years old w a decent income?  <response>: I think the general rule of thumb is one years salary at age 30. If you consider your taxable investments to be retirement savings youre in fine shape. You just didnt get there as efficiently as you may have had you been maxing your 401k earlier. 