<prompt> Human: Hello rpersonalfinance, I have a question regarding my 401k.Ill try and make this short as Im trying to figure out how much money I should be contributing to my 401k and what type of contributions I should be making, be it before tax or after tax. My annual gross pay is 72,800 before tax and I take home about 1400 a week before tax. At my current situation, im putting 15 percent of my gross pay a week, which works out to 210, away into my 401k and I have that split 50:50 between Roth 401k and regular 401k. Im thinking I could put more in because I still live at home and I dont have bills except phone, car payment and insurance, plus gas and other expenses which adds up to about 700 a month.Im just wondering what contributions I should be making because I dont want to get screwed on taxes during tax return time and have to pay more taxes than whats already coming out of my paycheck. Any recommendations would be appreciated.  <response>: If I were you, I would max out the 401k 18,500 in 2018, I believe. I like your 5050 split. If you have extra money beyond that, open a brokerage account and invest in some dividend aristocrats stocks that have increased their dividends yearly for 30 years and have the dividends reinvest. The income from those will be huge in the future. Examples include ATT, Johnson and Johnson, Pepsi... I can recommend some great resources if youre interested.I retired last year at age 45 by aggressively saving for retirement in both retirement and non-retirement accounts. 