<prompt> Human: I live paycheck to paycheck; always have regardless of how much money I make. To combat this, I keep a separate bank account that I direct deposit into that pays all the bills been paying bills for almost 15 years and never had a 30 day late. The other thing I do is direct deposit into my 401k.Question is - am I depositing too much? Im 32, have about 60k in 401k, and I deposit about 1350 a month company matching included. Ive tried putting after pay money into a Roth but I cant seem to stop from spending it before it leaves my bak account and gets to the Roth account. Auto-deductions are basically a necessity for any savings.How do I know if Im overdoing it? Somehow in my head I got this idea that I should always deposit 15 which I havent reached yet, but Im not too far off.Edit: had my contribution dollar amount wrong  <response>: If you are not depositing 15 of your income, then you are not overdoing it.And if you do not have the self control to not spend your money once it reaches your bank account then the 401k option is absolutely perfect for you and I would recommend not even worrying about starting a Roth. You have found a solution that works for you, so work with that!Anything you had been planning to add to your Roth, I would suggest adding to your 401k. Just bump up your auto-deduction and you are set! 