<prompt> Human: Hi all, I think this is a bit of a common question on this sub, but I would love some advice specific to my situation if possible.Im 23 and currently in a very good spot financially. I just accepted a job that pays well over 100k and does a 50 match on 401k with no limit. Im planning on making out my 401k, which means 27kyr with the company match. I have no car, paid off my student loans, and pay 850month for rent so my expenses are quite low.Given my situation, is a Roth IRA a little overkill at this point? I know that its the next best thing to do after a 401k for saving, but how much do I really need for retirement? Im wondering if my money would do better sitting in an index fund somewhere so I can actually use it for big expenses later in life, like a down payment on a house.Thank you!  <response>: Imagine yourself entering retirement, which statement would worry you more:Man, I saved too much money for retirementOr Man, I didnt save enough for retirement 