Reply to At what HHI did you start fully funding your 401k?

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[quote=Anonymous][quote=Anonymous]OP here, to the ones who successfully funded early on, did ever scale back in funding due to kids entering the picture? How do you keep motivated?
After 10 years I am at a point where it gets old. [/quote]

In nearly 15 years of working, this is the first year we will not have fully funded two 401ks, due to a layoff and huge salary decrease.  But once we are back at dual income (which I think will be about $200k), we will go back to fully funding.  I find that watching the money grow is pretty motivating.  Once you have a few hundred thousand, watching those dividends get reinvested and whatever other growth you get it motivating, IMO.  But OP, I think you might get more accurate data points for your purposes if you reversed your query - i.e., "If you make [relevant HHI range for you], and have kids, do you fully fund your 401k?  If not, what percentage do you fund?"  I say this because it's been pretty easy for us to fully fund our 401ks because our HHIs have been so high, so we "started" as soon as we started working.  There was no getting up to a certain income before we started funding them to the max.[/quote]

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