<prompt> Human: Just bumped my 401k up to 7 which should be about 120 a paycheck. I also try to put about 150 a month into my Roth IRA. Household income is about 73k annually 3k in savings account About 44k in my ira 2k in credit card debt 1 car note with about 9k left on it Mortgage payment of like 1100Ive been paying extra on the house and car but Im thinking I need to put every available cent into my ira while I can with only about 20 years of work left  <response>: How do you make 77kyr and youre only putting in 400mo. You need to up that shit. Cut your spending and increase your savings. Just being honest. Youll thank yourself later. 