New to fire, started my first year in the workforce last year putting 13% + 1.5% employee match into a Roth 401k. This year I upped it 1% so 14+1.5% total now. For reference I made in the mid 80s in year one. Is this a safe contribution early in a career? Any tips, or suggestions on how to allocate my savings?

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You are starting of strong, balance your savings with options to access your saving before retirement. You may need funds prior to retirements

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Well ignoring state taxes, the decision to do Roth vs. Traditional cost 22% tax if you are a single filer...so I would think about your current expenses and what your goals after FI are...will those goals Post-FI require more than about $50,000 in annual spending?(roughly top of 12% bracket for single filer)...or if you plan to get married, then that hurdle becomes higher. Basically the Roth/Traditional decision is far more complex for the FI crowd...that’s because the normal advice of doing Roth when you are young doesn’t apply as cleanly because you likely won’t be perpetually moving into a higher income tax situation. There is a false dichotomy about pay taxes now or later...with FIRE it is often “pay no taxes now and no taxes later”. The bloggers Go Curry Cracker and their article “Never Pay Taxes Again” gives a decent beginner’s look at that kind of aspect to tax planning. I wish I understood this before I started my FI journey...I volunteered to pay 25% on about half of my 401k contributions that I would have been able to pull out at less than 12% with a Roth conversion ladder. Now I have been FI for 4-5 years and am still working and switched to Traditional 401k at 22% marginal(this is with $2Million in assets divided up as 20% Traditional/Pre-Tax, 20% Roth, and 80% taxable/non-qualified)...you have to have a lot of money in the Traditional IRA bucket to consider Roth, in my opinion...of course, that’s is very general and not specific advice that would fit your situation...I’m making a lot of assumptions there...but just think of it like this...how likely are your Traditional/Pre-Tax assets going to exceed the obvious tax-free lifetime amount or standard deduction each year...my example goes something like this: my life expectancy(average for male of my age) is 81.6 years...so 81 additional tax years times $12,400=$1,004,400 in pre-tax before I pay anything in taxes...assuming I live on non-qualified asset qualified dividends and tax-free bond interest, I can live on about $50k per year(double what I actually spend) and not pay any taxes whatsoever. However, if your goal is to work to age 50 or 60, it might make sense to do Roth...really just depends on how you see your future income and life evolving over time.

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The more early the better. Esp if Roth for your contributions.

https://investor.vanguard.com/mutual-funds/profile/overview/vtclx

I think this is a good starting point. I would just keep in mind that people in the FIRE community are typically shooting to save at least 50% of their income. I don't know if that is feasible for you in your position right now, but I would say you should try your best to maximize your investments as early as possible. This mainly has to do with examining your lifestyle, and determining if there is anything you can alter that won't affect your happiness. Everyone is different when it comes to this, but learning about psychology of happiness and what actually makes us happy might help. For someone in the mid 80s, I would advise maxing out the Traditional 401(k) (does the Company still give you a match for traditional?), maxing out a Traditional IRA, maxing out HSA (if applicable and can do investments with it), and then consider after-tax taxable accounts if you want to invest more. You want to maximize as many of the tax advantaged accounts as possible.

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