If you max out your retirement, what is your income?

[Anonymous]

At what income do you feel comfortable putting away 20k or so for retirement?

[Anonymous]

Started at $120k. But that’s because that’s what I made straight out of grad school. Honestly I think the better question is if you can afford not to. I have no family money whatsoever. I will need every cent.

[Anonymous]

Started at 75k, but I didn't have kids yet. DH and I each make 120k and we both max out retirement.

[Anonymous]

I’ve been maxing our since $85k, back then it was more like $13-15k/yr and I didn’t have a house or kids. Still maxing out at $180k. Spouse makes less and also maxed out his Fed equivalent.

[Anonymous]

Just started maxing out - making 80k this year.

[Anonymous]

I make 84k and max out. Excited to turn 50 this year and increase my max

[Anonymous]

Started maxing out last year when I made 150k (HHI 275). That was late, I was 40. But we had 2 kids and lots of payments and DH was paid under 100k until recently.

I am very impressed by people who maxed out with salaries like 75-85k.

[Anonymous]

Once my kid was no longer i daycare.

[Anonymous]

100-130k (varies based on bonus).

I would rather not, but DH is a "FIRE" type guy and I can't argue with his logic.

[Anonymous]

Max out when first started working 20 years ago making 75k for may be 12k 401k

[Anonymous]

I started maxing out in 2020 when my individual income was around 140k (220K HHI). I bumped it up with the pause on student loan repayments (and lower expenses generally), and have continued. Though it’s easier now, our HHI has increased 50k since 2020.

[Anonymous]

100k. Started last year at 88k. Before that was saving to the 5% match and shoveling the rest into a down payment for my crappy little home.

[Anonymous]

I've "maxed" ever since I was a 24 year old GS-7. Maxing was 10% of my salary not the $20K max.

I have always done 10%, I hit the max about 10-15 years ago.

I'm became a govt millionaire at around 50.

[Anonymous]

At $31K starting right out of school in a fed job 25yrs ago.

[Anonymous]

I started maxing out at 55k when I graduated college. Currently at $230k salary and now added backdoor roth.