<prompt> Human: This retirement calculator projected that I will be 200K short if I retire at 55. Marital status: Single Age: 28 Target retirement age: 55 Income: 65K Net worth accounts: Social Security: Estimated 2Kmo at retirement age Lifestyle: Frugal Debt: 9K left in student loan My employer 401K matches 50 up to my 6 contribution, which is what I contribute out of every paycheck. Additionally, Ive been contributing 500mo to the Roth IRA for 2 years now. What more should I do, and what should I change about my investing and savings?  <response>: The easiest answer is to increase your 401k contribution by 3.5. Thatll get you 200k in 27 years. Its tough to give advice without knowing your budget and savings rate. Also, if youre really contributing 500mo to your Roth, youre exceeding the annual limit by 500year... so I hope that was just rounded up for ease.edit: Im sure your calculation assumes youll make 65k until you retire and still need that amount per year to retire both cases are unlikely. What you need to retire is 25X your annual expenses google 4 safe withdrawal rate or check out rfinancialindependence 