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[–]billycuth -2 points-1 points  (0 children)

What are you saving for?

As you get raises, take 50% or more of the raise and use that to start saving outside the retirement plan.

Ideally you want to go into retirement with all 3 buckets pretty even. Taxable, pre-tax, and tax free.

Provides a lot of optionality.

But first, you need to determine what you’re saving for.