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ct-yankee t1_jaelngk wrote

Kudos for saving as much as you are. You are the exception rather than the norm.

If I were to suggest any tweaks (you're doing just fine!) I'd perhaps seek to put more in to the Roth or 401k - your future self will thank you! Time is on your side there.

Check out the prime directive on this website if you havent already. (in the FAQ/flowchart)

Potential enhancement to the budget always is a good practice IMO. If you don't already have them as part of your budget, consider some sunk cost funds to offset things you know are coming. Vacation, car maintenance, etc. It will give you even greater control.

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Crosswordsss OP t1_jaetb3x wrote

Yeah I was thinking of upping my 401k (Roth is already being maxed out) I just want to also save a good chunk of money for sooner goals such as property down payments and upgrading my car. But getting my monthly retirement contributions up to ~$1200 is doable and a good goal

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No-Lunch4249 t1_jaev5kf wrote

OP, Roth limit for 2023 is going up to $6500 if you are below the income phase out, so you can put a tiny more in there if you like

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