<prompt> Human: My parents heavily emphasized saving I see why, they retired at 50. So Ive been maxing out my Roth 401k for the last 3 years 17,500year. I only add about 7,500 to my regular savings each year. I spend around 20,000year. Im 25, at what point should I reduce my contribution?I already have plenty in emergency funds and other savings like a future home down-payment.Portfolio:Roth 401k 50k 17.5yearRoth IRA 40k thanks mom and dadGeneral Savings 85k 7.5year. Again, had help from momdad hereIs this overkill? Will I be stuck with a huge sum that I can only access by incurring penalties and fees?  <response>: The one thing that no one has said so far is are you remembering to live now? From a purely mathematical point saving all you can in early years makes sense but theres more to life than math. It is important to make sure that future you is taken care of but dont forget to let today you live. Make sure to travel and take in things you enjoy. Allow yourself to spend a little. Keep saving to be sure but right now just purely looking at the numbers it seems like you may be much more focused on holding on to money than you really need to be. 