<prompt> Human: Hi PF,22M 60Kyr. I currently have 401K contributions set for 6, ROTH at 9, and my company matches 100 up to 6 of contributions so 21 savings total. After these current contributions my biweekly after tax take home is 1250. I live in very expensive city with my SO. My half of the rent is 1100month. Other personal monthly expenses:Food- 280Entertainment- 300 I am young in a fun cityLaundryDrycleaning-45Personal- 40Utilities- 50Internet- 25I do not have any outstanding debt as of now. My SOs incomecontributionsexpenses are nearly identical to mine. Please let me know if there is any additional info I can provide to get some accurate advice, thanks!  <response>: Depends. Your current savings rate is just fine or maybe a little overkill for retiring at normal retirement age 65. Is retiring early one of your goals? If so there is really no such thing as contributing too much to retirement. If youd rather use the money for other things you could probably afford to cut down the IRA contribution a bit. I wouldnt give up the free money from the 401k matching. 