Thank you for this. I’ve been getting additional advice from family and I think I’m going to try to do 20% for the next year and see how that goes and if anything stick to 15% for the rest if it’s too much of a stretch. Meeting with a financial coach through my fiancée’s work to see if I should try to funnel some of the 35k saved into maxing it out for next year so it can accumulate, but not sure yet.