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Reply to "Does everyone on DCUM max out retirement?"
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[quote=Anonymous]I'm 46 and I have been maxing out my 401(k) for over 20 years, we've been maxing out back door Roth IRAs for probably 10 years, maxing out HSA for probably 5 years, contributing $1000 total a month between two separate 529s, and putting $1000 a month into a taxable brokerage account for years. HHI was 280K. My salary took a big hit in the Fall down to about $170K, so we had to cut the contributions to the taxable brokerage account down to $100 a month. It's been a massive struggle to stay in budget and I may have to cut my 401(k) contributions for the first time in 20 years. It breaks my heart even though my financial planner says I don't need to max my contributions to retire comfortably in a 9 years. I just don't like NOT maxing out my 401(k). It's just me but it really affects me.[/quote]
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