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Reply to "At what HHI did you start fully funding your 401k? "
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[quote=Anonymous][quote=Anonymous]We fund two Roth IRAs but only the company match of one 401k. DH is not a great saver and thinks we are fine. Have been doing in for 10 years. 2 kids, one in private with FA, renters. I am trying to figure out an action plan for us that is realistic. Please no answers in the tune of "after I was gifted my great aunts 2 bedroom, I could fully fund my retirement accounts..." It's not in our cards. Thank you! [/quote] Independently, prior to marriage, we both have always fully funded our 401ks when they were available and just kept them fully funded- so it was always in the budget. However, that doesn't help you. What I would do is split the % of any raises you receive here on out. If you get a 3% raise, increase your 401k contribution by 1.5%, until you hit the max. Same for your DH. Are you saving to purchase a house or fund college? [/quote]
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