<prompt> Human: I know this question gets asked a LOT and im sorry for the repetition but I need some advice on my 401k choices. I spent my entire 20s in college and grad school and have FINALLY just started a job making 90k. As a result of being on school for so long and barely surviving on the pittance they pay I am WAY behind on retirement. I have about 4k in a RothIRA but that is it. Otherwise I have nothing and Im about to be 37 next week so I need to catch up.I just started my companies 401k- they dont match but Im still contributing 6 of my salary as well as continuing to add to my Roth every month.I need help choosing the right options to try and maximise my savings because I know I am SO FAR BEHIND. It gives me sleepless nights.Anyway- I have my 401K with Transamerica and so far I have 80 in a vanguard target retirement fund 2055 and 20 in a high yield bond fund. I would post a screen shot of all my options but I dont know how to do that...EDIT  <response>: You recognize that youre far behind. 6 is too low a contribution rate for someone who starts at 21, in my opinion. Thats the place I would start. The contribution limit for this year is 18k. Hit that number.The target retirement fund is all you need. Forget the bond fund. The target fund automatically handles that type of mix.Your selections here are less important than your contribution rate right now. 