<prompt> Human: With the max reaching 18,500 it seems like youd need to be earning at least 100,000 before maxing out your 401k. What do you all think about this?  <response>: It really depends on your other living expenses. If your housing costs are low, you might be able to max out a 401k at a much lower salary. If you have high housing costs or debts or dependents, you might not be able to swing 18,500 a year in a 401k, even with a 100,000 salary. 