42 am I ok?

Hi everyone,

First time poster to reddit. I have been reading a lot about retirement lately which is mainly why I joined. Hoping to see what you guys think about where I am at and if you think I am on pace for what I would like to do when I retire.

I make about 90k a year and am contributing 13% of my salary into my 401k. 6% of it is going to a traditional 401k and 7% roth. company match is 6%. going forward I plan to increase my roth percentage by 1% a year until retirement. I just started a roth ira last year and plan to max that out. I have a stock purchase plan that I add about $50 per paycheck to. I don't get a discount for that which is why I add only a small amount to it. last account is my hsa which has about 14k in it and I max this out every year going forward. had to use some for some things but nothing serious.

by the time I retire I will be debt free! my house will be paid off in 10 years and car will be paid off in 4. that leaves me with my property taxes, utilities, and credit card (I pay this off every month just for the rewards) that total right now about 3000 a month. planning to retire between 60-65 depending on how things are going.

during retirement I want to travel a bit each year. hoping to do an international trip every year or two and then a few domestic trips like spend some time in Florida during the winter.

I found a site called boldin that allowed me to enter myl account details and amounts and it has given me a retirement amount of 2 million in todays dollars or 3.3 in future dollars at age 62. if I use todays dollars that would give me 100k a year using 5% from 62-65. at 65 I plan to reduce this and tap SS. After bills and taxes (used 30% for taxes for both fed and state then 3000 for bills) I'm calculating about 2800 remaining for travel which to me sounds reasonable. below are the details of my accounts. do you think I am on pace for retirement? any other suggestions are welcome as well. I appreciate all of your time!

traditional 401k mostly in snp500 little of a intl stock- 246k

roth 401k- same as traditional- 68k

stock account- 10k mostly employee stock some voo and Google

roth ira- 15k in voo

crypto- 16k ( don't kill me for this it's all gains pulled out what I put in at ATH)

checking and savings- 14k not sure if this is needed

Posted Mar 5, 2026, 2:27 AM UTC

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