Posts  / #POST-212593
REDDIT

Am I doing too much or worrying too much

Ive been told and feel like I am doing too much when it comes to investing and retirement so I’m looking for opinions. I’m 21 make about $130k per year and I max out my Roth IRA, max 401k, max company stock purchase plan, and also the have the (RRB). I have a small crypto account and a small brokerage that I haven’t put that much into but plan to in the future. I have a 1 year emergency fund in a hysa and no credit card debt. Only bills are my mortgage ($830) and truck note that’s almost paid off ($620) and savings rate of roughly 45 percent and for the life of me I cannot relax my mind that I’m somehow still not planning enough and constantly stress that I’m behind. I don’t come from a financially knowledgeable family at all so everything I’ve learned has just been through many hours of personal research and not being able to retire come that age is at the back of my mind haunting me even thought I’m not even remotely close to that time. From the outside looking in do I seem to be on the right track,doing too much, or not enough.