I have about $80k total: $68.5k in Fidelity and \~$12k in employer 401k. I have Fidelity split into three accounts because it was a former 401k rollover from outside employers that wouldn’t roll into my new company’s 401k program.
Because of my job, I have to leave it in robo-investing otherwise I have to get pre-trade clearances for every move I make.
My wife (27F) and I have a mortgage that consumes a large portion of our take home (\~40% - going to go down because we just re-financed!). I can only do about $50 a paycheck into these accounts without over stretching myself financially. (Believe it or not - this condo was just appraised at $50k over purchase price 1 year ago - holding on to it as long as possible for the upside when we sell).
I have \~$15.6k in ROTH 1 (Aggressive Growth: 85% stocks), \~$24.6k in Traditional (Hyper Aggressive: 100% stocks), and \~$28.3k in ROTH 2 (Growth: 70% stocks).
My current employer 401k has no matches until January ‘27 due to regulations, and my wife has a 401k of about $80k.
I can’t really talk to my family about this because I’m the only one who really took investing seriously. I do a lot of Reddit reading and Copilot bot advice taking into consideration state and federal taxes, costs of living, etc. I do feel behind in terms of retirement investing, but I feel absolutely maxed out at the moment financially.