<prompt> Human: 5500 18500 2 just seems like a whole lot of money, do we really need to be maxing out retirement savings?We are early 30s, 170s gross income, low cost of living area. We dont live extravagant lifestyles and dont plan to in retirement either.I receive a 2.5 401k match and currently contribute 6, my wife receives an auto 10 from employer but gives an extra 4, and Im also vested in a fully company paid pension plan.I anticipate owning our home outright when we retire 1000mo PITI currently, we will probably go on a couple vacations per year, but dont anticipate major spending other than that.What do you think? Is maxing Roth and 401K excessive?  <response>: You make 170k, only save about 10 of your own income, have a fairly low mortgage payment, but dont live an extravagant lifestyle. If all of those things are true, you should have a rapidly accumulating pile of cash. What else are you going to do with it? 