At what salary were you able to max out your 401k + IRA + HSA? Or at what salary would you consider it reasonable to
Assuming you have no debt and no dependents. I know a 15% savings rate is a pretty good rule of thumb. So $24,500 + $7,500 + $4,400 = $36,400. And $36,400/0.15 = ~$242,667.
I make $72,100 for my base salary, plus a 10% annual bonus, and I bartend on the weekends and average about $12k a year (and with no tax on tips ~~I take home almost all of this~~ I get most of this back in my tax return). So at about $90k with no debt and no savings goals (I’m not interested in buying a home anytime soon), I am wondering if I should be more aggressive about my retirement savings.
Currently I max my Roth IRA, meet the employee match for my 401k (5%/4%) and have no HSA. All my excess savings just goes into a brokerage where I buy USFR, since my bank doesn’t offer a HYSA