<prompt> Human: I keep reading saving recommendations and guides, but I feel my situation is a little different than most. Currently I am 34 and my only debt is a car loan thats at 4k. I make 100K a year, but I spent 10 years getting a PhD, so I have some years of catch up to do. I am also hoping to buy a home in the next few years, which I am hoping to put down as much as 10 SoCal....Currently I am putting 10 into my 401K 10 matching and 5 into a Roth IRA. Im getting married in 2017 and our combined income is greater than the upper limit, so I will have to stop contributing this year. At 10 Im not maxing out my 401k yet. Since I have to stop contributing to the Roth, would it be better to bump up my 401k or is there a better post-tax shelter I can use?Im also confused on how much I should be saving for retirement. Guides say you should have 3x your yearly income by the age of 40. I probably wont make that as I only started saving at 30, but my income is perhaps higher than others in this age range. What are peoples thoughts on targets for retirements? What can I use as a litmus test to tell me if I am on the right path?  <response>: Backdoor Roth IRA Guides say you should have 3x your yearly income by the age of 40. I probably wont make that as I only started saving at 30You can max out your 401k 18000 and IRA 5500 if your budget allows. You can also save in taxable accounts, albeit not as tax efficient.Also, 3x your yearly income is a rule of thumb. If you dont need to spend 80-100k every year in retirement, you can lower the target. If you plan to have 30 working years, this article says you should be saving 25-30 of your expected annual payout in retirement. 