<prompt> Human: Im a big DR follower but their subreddits kind of useless for retirement apart from them saying to save 15 of your personal income regardless of employer match. Id like to start a roth but maxing out roth with my current 401k contributions puts me at close to 18. Is anyone else doing this on less than 70k per year? I have extra money but my goal isnt to save EVERYTHING for a future of unknown, but i also dont want to not save and then be doomed later.  <response>: I wouldnt worry about specific numbers like 15 or 18. Id worry about reviewing your budget and seeing how much you can comfortably afford to save for retirement, while maintaining a savings account and having some fun along the way. Ideally, itll be even more than 18, but it is called personal finance for a reason. 