<prompt> Human: Im wondering if me and my wife are putting too much into our 401ks. My wife and I have over 200,000 in our 401ks and were 30 years old. We both put the max amount possible into our 401ks each year. We also have over 100,000 in our savings account that makes 1.2 APY. We have no debts, and own our house outright, so no rent or mortgage. Our yearly expenses are probably around 35,000. We save about 6,000 dollars per month outside of our 401k. Im wondering when should we stop putting into the 401k all together, or should we always be putting the max in? I imagine we are a few years away from FI on this track?edit: to be more clear, Im scared we will have way too much money locked up in the 401k and would rather have less money in retirement and retire earlier insteadAssistant: I dont think theres such a thing as too much. If youre in a high income bracket its probably a good idea. If youre not, Id see if your companies offer a Roth 401k. Either way, you should look into a Roth IRA with some of the extra savings. One day in the future you can roll your 401k into an IRA, then start rolling small amounts up into a Roth IRA annually. That way you can retire early on the money if thats what youre trying to do. I imagine we are a few years away from FI on this track?Totally depends on your expenses. Human: We make over the limit for Roth IRAs as of right now. So if one of us retires early, and our income goes down, we could star to rollover then?  <response>: Look into backdoor Roth in this case. Involves putting money into traditional IRA then converting to Roth IRA. 1 extra step but worth while to put Roth money away. 