Reply to Does everyone on DCUM max out retirement?

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[quote=Anonymous][quote=Anonymous]We’re at around $28,000/year combined and trying to do more but just can’t. HHI is around $180K. It seems like everyone on this forum is maxing out and we are still catching up, but not quite. We try but it seems like something always gets in the way - medical emergency, home repairs, job transition. We do have an investment property that will generate income in retirement and has around $300k in equity now, so that counts, but I feel anxious about not maxing out when it seems the smartest thing to do.[/quote]

Don't beat yourself up.  $28k is good. Of course more is always better, but at least you're saving a lot more than most Americans.  DCUM posters are the extreeeeeeeeeme minorities in the country.  The loudest people on the money boards are of course the people with the most money, because they want to make sure everyone knows how much money they have.  Make it a goal every single year to try to increase your retirement contributions by $1000 per year.  Set reasonable goals for yourself and don't pay attention to, or compare yourself to others.  You'll always feel 'behind' if you're constantly sizing yourself up to other people and trying to keep up with the Joneses.  There's always someone else out there with more money.  [/quote]

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