<prompt> Human: I have a 401K through work. I max it out every year and along with my employer match, I am right at 15 of my income I stuff into my 401k.I am in a Target-Date Retirement fund, and I feel like I have my retirement investing on auto-pilot..but that kind of worries me.Being that I am investing 15 of my earnings into a 401k and maxing out my 401k...is there anything else I need to be doing?This is from a no-debt w full Emergency Fund standpoint. I just...idk..I feel like it cant be this easy? That being said I am kind of a lazy guy, I dont want to actively manage my fund and track stocks etc etc etc - but I am worried that my set it and forget it mentality is going to bite me in the ass somehow..?Assistant: If you have an HSA, it has even more tax advantage and is more flexible at retirement. This is nit picking.Sounds like you are doing great. This is literally what Dave Ramsey recommends to do, except he has a four mutual fund lazy portfolio, so close enough.If you dont feel like this is enough, run some retirement calculators. Maybe start an IRA also.Human: If I leave my job do I keep my HSA contributions? And DR is what helped me turn shit around. Although I did steps 2 3 backwards after a terrible year of job issues. Assistant: Yes, you can even transfer them while you are working, if your employers HSA sucks. I treat mine like an IRA.Human: Define sucks. As in like you cant manage it or invest it the way you want?  <response>: sucksFunds with high expense ratios, limited fund choices, accounts with fees for investing. 