<prompt> Human: I see a lot of blogs and posts that make me feel really inadequate in financial terms. They state that at even at a salary of 50 k a year you should be able to max out your 401. This seems ridiculous to me, am I stupid? My current salary is 66k and I put about 150 a week into my Roth and 401. Even at 66k your take home is still only around 44 k right? Isnt it crazy to put away around half of that away each year for retirement...maxing out both 401 and Roth?Edit: you guys are awesome thanks for your input. Just a little more about my specific situation. Im currently 28, Graduated with my second masters 2 years ago with 20 in savings and 60 in debt. Started my first big boy job in 2013. In those two years I have paid in full all of my student loans, saved 40k in houseemergency fund and put about 14 into retirement between Roth and 401k. Still saving a lot to get my house fund to be able to put down 50. Always nervous because I started retirement saving so late in life.  <response>: See rfinancialindependence for a community of people dedicated to saving a more significant portion of their income in order to be able to retire early. 50 is a lot compared to what the average person would be willing to save. It really depends on what your own financial goals are. 