<prompt> Human: Hi PF. Ive been contributing to my 401K for 15 years. Not always maxing it out when I was young stupid, but always above 10 of my income. Heres my issuequestionrant: My yearly income has grown significantly over the years tripled. This has made my 401K contribution in the past 5 years quite a bit more significant than the first 10. In addition, my early 401K got beat up by the dot com crash, AND the housing crash, and when I look at the cumulative total, it just is not impressing me, given that I expect my income will continue to rise. At least now I am hitting the max yearly contribution? After saving for 15 years, I have 2 years worth of retirement income at my current salary level. Am I going to be in the same boat 15 years from now, assuming that I continue the same cycle of salary growth? Or is it going to get worse, given that I am maxed out in terms of yearly contribution? PS: I am also investing in other things stocks, real estate, Roth while I am able to, but I cant help feeling like it is NOT going to amount to a usable amount of income once retirement actually hits.Assistant: One thing you have to remember is that when you retire, in theory, you shouldnt need the same amount of income as you make today. In theory you would have your house paid off so you dont have a mortgage payment, kids have moved out so they cost you less, you dont drink as much etc. Human: In theory, but if you move and get a new mortgage then this may not be true either. For example I still own my original home, and use it as investment income, and when I purchased my new home started fresh with a 30 year mortgage.  <response>: You should consider your houses value as part of your portfolio then. It will probably look way better with this addition 