<prompt> Human: Im 28, and have worked for 5 years at a company with zero 401k matching at a salary that started at 40K and has worked its way up to 70K. I didnt have any retirement contributions at the job that preceded this one. Ive got my money spread across a few target date funds 2045, 2055, 2060 and have currently got just over 18K 7.4 return. Im building up my 6-month emergency fund now and hope to soon start to save up for a down payment on a home, so Ive been planning to scale back my contributions a bit.I had a pretty aggressive contribution from my paycheck for the last few years that I was proud of 20 and thought I was doing great. Just compared notes with a colleague whos 5 years older than me and she has well over 50K in her fund and thought that was decent. What have I done?!I hear so many good things about aggressive 401K contributions at companies that match, and I wonder how far behind I am for missing out on that advantage for all these years. Its bad, but is it leave-this-job-for-one-with-a-better-plan bad? Is it foolish for me to scale back retirement contributions to get out of my apartment rental sooner? Am I behind for my age, or is does a target x savings by y age even exist?Thanks for any input this sub has been so incredibly helpful to me and I so appreciate all the great discussions here!  <response>: You may find these links helpful:- 401k Fund Selection Guide- 401k FAQs- How to handle I am a bot, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?torpersonalfinance if you have any questions or concerns. 