<prompt> Human: Hello Personalfinance!Ive been lurking for a couple of days now, becuase I am finally in a situation where I can start seriously on my retirment fund. I have a couple of questions that I havent been able to answer with google-fu. So here goes.I intend to retire in a significantly higher tax bracket than I am in now, so I am positive I want to look into roths. My newish employer offers a 401k plan through Prudential, and I am trying to find out if a Roth is available. Is this worth pursuing? It is worth mentioning they match 34ths of contirubutions up to 5 and are 100 vested.I have a signficant amount of debt, but becuase of my living situation I am married and how much I earn currently I am taking care of that quickly with money left over. Once that is finished I intend to put almost 50 of my pay into investing retirement.It may be worth noting that my husband is significantly older than I am, and his retirement fund is healthy enough to support him, but him alone. Would it be worth it to channel money to him to increase his 401k and legal?Also, my lifestyle isnt lavish, but I have several hobbies that I enjoy to the point that I am unwilling to give up when I retire computers and tech So I could use advice on coming up with a stragatey to have a significant nest egg.Thank you for any advice you can spare.Assistant: I intend to retire in a significantly higher tax bracket than I am in nowI think you are not understanding tax brackets correctly.When you are retired, your income drops to whatever you take out of your retirement funds Traditional ones to fund your retirement. This income is then what determines how much income tax youll pay. So how much you were paying right before retiring perhaps on a 100k income doesnt matter to how much youll pay while retired.Also keep in mind that if youre in the 28 tax bracket with the top of your income, that that does not mean that you pay 28 taxes on all your income. You pay for example only 10 taxes on the first 9k of income, then 15 on the next 27k of income, etc. So if you were retired now, and you would be single and would give yourself a 70k income per year, then your taxes would only be 10 of the first roughly 9k, 15 on the next roughly 27k, and 25 on the remainder, for a total percentage of taxes of 19, not 25... And PS. The best day to start your retirement fund is at age 0. The second best day is today. So good for you for starting. Human: Thank you for clarifying that. That being said I intend to be bringing in significantly more through investing and other enterprises. I will be earning roughly 70k a year, and dont expect that to rise much over the next 5-10 years at least. After about 2 years, I will be completely debt free, and can saveinvest nearly 75 of my income.With all of that info, would it be to lofty a thought to plan on bringing in 100k a year in my retirement. I plan to retire before Im 55.  <response>: You give yourself 23 years to retire, from age 32 first two years youre working on eliminating debt to age 55. You will try to earn 70kyear, and you will invest roughly 50kyear. Assuming a return of 7 after taking into account inflation, doing this for 23 years will bring you from 0 to 2.8 million. Is that enough to withdraw 100k from every year? Hopefully... Youd withdraw about 4 every year, and you would hope to do that for something like 35 years. There is a high chance of succeeding, but theres also a chance of failure. However, I would just get going, you can always change plans when you want to, or have to. A strong start will allow you to make choices later on. I would also think about whether you want to have 100kyear for retirement, when you can apparently also live on 20kyear now. Wouldnt 50kyear in retirement be more than enough to live a lavish lifestyle? If so, you could cut your time to retirement in half, at the very least... 