<prompt> Human: Im from northern Wisconsin. Not a lot of high paying job here.I make 20k annually before tax. So like 17k ish post taxI see a lot of redditors maxing out their Roth AND 401k. I get discouraged and feel behind because some years I can only do 1k or 2k  <response>: Maxing retirement is definitely not a common thing, especially on that kind of income. Dont sweat it and save as much as you can. Ideally youd wanna do 10-15. 