<prompt> Human: Ive got a decent paying job, making about 70k. Just over 40, I started saving for retirement about 6 years ago. Only have about 20k in my company matchingthey match up to 3 401k. How do I catch up?  <response>: How do I catch up? Put in more money. You can add up to 18500 to a 401k this year, 5500 to an IRA, and if you have an HSA 3400 into that. Its up to you and your budget to decide how much you are willing to put into retirement vs. spending now. 