How are we doing?

Me and my partner are trying to get ahead on retirement in the next 5 years. I am 26 and he is 31. Combined I feel like we are in a decent spot but he didn't start investing into a 401k & Roth until we started dating and I explained the importance of it. So here is our breakdown:

Me (26): $32,000 Fidelity Roth and $8500 in employer sponsored 401k. I was contributing 3% but just upped it to 5% and I get $2400 put in there by my employer every year.

My husband (31): $12,500 Fidelity Roth and $4500 in employer sponsored 401k. He is contributing 5% and his company matches 4%

I know this is not "typical" retirement but he does have crypto investments he's had since before we were together which is about $15,000. We do not plan to ever sell this honestly unless we we're in a dire situation financially.

Should we max out our 401k's even more than what we are currently doing? We have a little wiggle room in our combined income to do this but just not sure if it is even necessary. Not trying to retire early or anything but just want to feel secure by the time we get into our 30's & late 30's

Posted Aug 4, 2025, 4:38 PM UTC

456
Loading comments…