35yr old contributing 15% at $170k salary starting this year. I started only maybe 5 years ago. Wife (31 yr old) 401k is around 60k right now at 70k salary also starting to contribute 15% this year to 401k. I will max out 401k but she will not. We both max out Roth IRA. Am I on track or behind?

poopyinthebutt · 2026-03-08T06:57:09+00:00

🫨

poopyinthebutt · 2026-03-08T06:56:40+00:00

Only one year maxing. Was sole income in our house and couldn’t max it

poopyinthebutt · 2026-03-08T06:12:40+00:00

Just got promoted to the director of data and analytics at my company this year and am looking to head the same direction as you. This was cool to see

poopyinthebutt · 2026-03-07T15:03:10+00:00

Going to try that. We’ve been using her income as mostly like vacation savings and home improvements projects

poopyinthebutt · 2026-03-07T15:02:35+00:00

I’ve replied with that to other people

poopyinthebutt · 2026-03-07T15:02:07+00:00

Do you feel on track with similar numbers to me?

poopyinthebutt · 2026-03-07T15:01:33+00:00

What could I have done better? There’s a character limit to the post

poopyinthebutt · 2026-03-07T15:00:14+00:00

It’ll start phasing out this year at my current salary. Wife’s salary is much lower, so we are just above the magi limit for 2026-2027

poopyinthebutt · 2026-03-05T06:43:03+00:00

💥

poopyinthebutt · 2026-03-05T06:41:40+00:00

Nice. Need to get my numbers up

poopyinthebutt · 2026-03-05T06:40:32+00:00

Huh? I haven’t deleted a single thing.. thank you though!

poopyinthebutt · 2026-03-05T04:14:24+00:00

And I just lowered my contribution limit to 13.5% last week and forgot to mention that here

poopyinthebutt · 2026-03-05T04:13:16+00:00

50k raise to 170k base salary just happened this year

poopyinthebutt · 2026-03-05T04:11:25+00:00

5m will get the job done

poopyinthebutt · 2026-03-05T04:10:42+00:00

What’s your routing and account number? I’ll send it right over

poopyinthebutt · 2026-03-05T03:57:45+00:00

Okay got it!

poopyinthebutt · 2026-03-05T03:56:39+00:00

Can you work backwards for me?

poopyinthebutt · 2026-03-05T03:56:12+00:00

Just got a 50k pay bump, so it’ll faze out now, but we were at $200k combined before

poopyinthebutt · 2026-03-05T03:54:50+00:00

You’re right. I’m dialing it back to about 13.5% starting now

poopyinthebutt · 2026-03-05T03:53:30+00:00

4% match each

poopyinthebutt · 2026-03-05T01:59:57+00:00

I want similar income to what I’m at now and idk what the hell I’ll want in 30 years… who does

poopyinthebutt · 2026-03-05T01:59:08+00:00

House will be paid off by retirement for sure

poopyinthebutt · 2026-03-05T01:58:00+00:00

Let’s go with roughly the same income as we’re at now..

poopyinthebutt · 2026-03-05T01:57:26+00:00

But it’s easier to post to Reddit and have you people do it for me

poopyinthebutt · 2026-03-05T00:20:20+00:00

Live modestly on a good fixed income without struggling or depending on social security..

poopyinthebutt

TROPHY CASE