<prompt> Human: TY Thanks for the help guys. Im going to add about 10k a year to 401k and will max out the Roth IRA at 5500 a year. I know I only make about 40k a year but Ive been making an extra 10k to 15k a year last few years on the golf course so Ill put that into the retirement. Just have to cut back on a lot of expenses to do this.  <response>: Sidebar... prime directive ... flowchart 