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After 2 rounds of interview (1 hour each) , Deloitte usi hr is telling me that due to organisational restructuring the offers are on hold. Got a salary discussion call last Thrusday (no pre hire survey) . Last working day in a week. Any suggestions? Cloud Data engineer CBO unit Deloitte Deloitte USI
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31 years 1.8M
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I'm 27 and just started contributing more. Currently I have $36K overall in 401k and Roth 401K, but I have started contributing $1500 a month to Roth 401K and $543 per month to Roth IRA. I'll pay the taxes now so I don't have to in retirement. What do you guys invest in? Right now I have VOO for the Roth 401K and FXAIX for the Roth IRA.
I’ve been contributing to my 401(k) for about 4 years now and my balance is just under $30,000. I try to put in about 8% of my salary each month, plus the company match at 5%. I feel like I’m making progress, but I know I’ll need to be more aggressive to hit my retirement goals
Keep maxing out your 401k each year that you can, and invest aggressively in your younger years. By your 50s, you will likely have several million in your 401k. My biggest regrets are not starting to contribute sooner and not being more aggressive in my 20s and 30s. I'm telling you because I wish someone would have told me.
Yes, and it still works. I'm mid 50s, started saving in my mid 20s (started late, as I had school to pay off), and have a few million in my 401k. The nice thing is once you max out 401k and HSA, you have the ability to make other investments (with no yearly cap on amounts). That's the stage you want to get to. My other investments exceed the amounts I have in the retirement and HSA accounts.
27 yrs 1.4 M
Oh 💀😂💀💀💀
13 years - $800k
I maxed out contributions from 2014 to 2024, so that’s $219,500. Previous jobs didn’t max out, probably about $25k total contributed. My current work matches 85% of what I contribute, and the rest are gains.
4 years 62k
9 years. $180k.
~3.5 years, 100k (split 75/25 traditional and Roth) plus another $70,000 in a Roth IRA, and $60,000 squirreled away in a more conservative mix in an individual brokerage to buy a house.
I feel ahead of where I need to be but behind of where I wanted to be if that makes sense.
Honestly, it was tough my staff 1 year and we didn’t eat out much, but by staff 2 year I had some spending money. Put every dollar of my PBB into Roth/house fund except for when I was promoted to senior (I splurged and got my self a lightly used Omega watch to celebrate).
I’d say now we spend maybe $350 a monthly on groceries (we’re both Vegitarian’s so we’re fairly cheap). We split all of our other expenses down the middle so we’ve always been fairly secure after the first year. This year we even went on two international and one domestic vacation (mostly on good Amex Point Transfer deals).
I’ve been contributing for 5.5 years and have about $100,000 in my 401(k). I actually have a goal to maximize it, but I’ve never really taken the time to sit down and plan it out
I’ve been contributing since I became eligible to do so about 5 years ago. I have a little over 50K in there now. I recently increased my contributions because I felt a little behind. Realistically I’m on track, I just want to make sure I have more than enough.
About $100k and it’s been almost 5 years. I should’ve started the Roth sooner (only opened it in 2023)
401k just under 7 years - 230k total (165 trad/65 Roth).
HSA just under 3 years - 18k total
HYSA - 120k total
Currently 29 in NY. Feel like I’m in good shape for retirement. HYSA would be for home purchase, compared to the average American I’m probably ahead but I still feel behind because of the cost of homes in my area
you don't have at least 1 home yet? you're almost 30. you need property to be taken seriously.
About 2.5 years, 16k in 401(k). Only contributing company match. Some in Roth but only recently started contributing to that
7 years 150k
Started contributing whenever I was eligible can’t remember when that was exactly maybe around 20 but I’m 29 now. Took some money out of the IRA recently to help with house down payment.
401k = $81k
IRA = $9k
Compared to the average American I know I’m doing pretty decent but considering the average American is broke I do still feel behind.
I’m 28, working 6.5 years, I have 130k in Roth and 35k in HYSA. Working on adding to my HYSA. Currently putting 8% in Roth. I thought I was doing OK but clearly a brokey compared to this sub
41 years old 18 years of 401k investing $690K split almost 50/50 traditional and Roth.
23 years of contributions, 680k in the 401k (60% of that is ROTH). Age 49.
8 years $150k
7/8th year with almost $200k (20-30k from pension payout of previous b4 firm)