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Concerned-23 t1_iy422w9 wrote

I have a feeling it will be tight to live. Have you considered scaling back retirement contributions to employer match, maxing our IRA, and maybe a bit more to 401k but not quite a 30% contribution?

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CapitalMission8486 OP t1_iy432cl wrote

The 30% is 401k and Roth combined. about 20% is 401k, and 10% is roth + index funds in a brokerage. I probably could scale that back a bit if needed

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Concerned-23 t1_iy439to wrote

Are you trying to FIRE? If not, 30% monthly retirement could be considered overkill

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CapitalMission8486 OP t1_iy43oec wrote

It's something I'm fancying the idea of. Just started my career a few months ago, and already thinking about retiring early haha.

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freecain t1_iy4fpif wrote

I would into FIRE more closely for strategies. I know very little about it, but one thought would be wanting to diversify your saving strategies since you may end up wanting to withdraw from your retirement before you reach retirement age. Plus a large savings could help with things like buying a home down the line.

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