<prompt> Human: Im 25 and just started my roth 401k in January, should be at around 12k by the end of the year. I make 50k and company matches 100 of the first 6. I understand that many suggest contributing to a roth IRA, but I would like to save for marriage and a house over the next few years. Using a bankrate.com calc, with just inflation raises over 40 years and a 8 annual return, it says my projected 401k balance at retirement will be 2,238,907 at retirement. In todays money, that is roughly 1,164,000. Withdrawing 4 per year would be about 46k. My SO who I plan to marry is in a very similar situation, but makes slightly less. So I ask, isnt roughly 90kyear plus whatever amount social security ends up being in todays dollars enough to live a modest lifestyle? I would love to contribute to an IRA, but Id like to buy a house by the time Im 30. Any comments are appreciated, thanks! EDIT: Sorry for the error, I meant to say that I started my 401k in January OF LAST YEAR 2016. Which is where I arrived at the 12k. Thank you for all the responses!  <response>: Thats more than a modest lifestyle. 