<prompt> Human: Im 31, about to turn 32. In the last year and a half I have completely turned my finances around. I had worked prior to that on grants and freelancing so saving wasnt always possible and only had 5500 in retirement savings. I now have a steadyish job that pays 78,250. Today I have 36,128.94 combined in a company 401K and Roth IRA. Ill max out the Roth for my first time ever and just come a couple thousand short of maxing out my 401k. I allocate at least 26 of every paycheck to my company 401k, but sometimes increase temporarily, like right now Im at 31. I have 6207 in student loan debt, but no consumer debt. Im rapidly paying off my student loan at about 700 a month, which I know financial advisors discourage, but Im already contributing so much towards retirement and with a 5.90 interest rate Im wanting to knock it out quickly. I started the year with no emergency fund and have saved 10,448 with a high yield savings account! I try to maintain a balance of 2000 in my checking account after bills. I live in Florida so pay no state income tax. I dont own a car or property. I am paying a little more than I should on rent but it means I can bike to work so the difference works out and I get exercise! I am pretty frugal, although I do like to spend money on travel. While Ive made great strides, I keep thinking about what I could do more. I dont have a years salary in retirement yet and in three years Im supposed to have two years salary in retirement. To achieve that Id have to contribute 52166.66 each year for the next three years which is way over the combined legal limit for Roth and 401k. Feeling like I cant get there. Whenever I talk to retirement reps at Fidelity and Empower they kind of sugar coat things. Which makes me wonder if they talk to women that way, or just dont want to alarm people. I know Im young, but I take this seriously, and Im seriously behind. Can you help? Where should I be focusing? How can I contribute more to retirement? What am I doing wrong here?  <response>: Saving money with a nicely sized emergency fund Aggressively contributing to a retirement plan On track to repay outstanding debt well ahead of scheduleYoure really not doing anything wrong. The 1 years salary, 2 years salary etc. rules do not rely on people contributing the maximum they possibly can. If you are contributing over the average required to reach those goalposts, you will eventually be able to catch up. Stick with it! 