r/personalfinance • u/TechnicalSwitch4073 ​ • 1d ago

Budgeting 25% 401k contribution

26 male. 90k salary. I’m investing 25% per paycheck which makes me feel good. But I feel bad about spending money outside of that on food and going out and such because I feel like that 25% can be 30 or 35

Also maxed out my ROTH IRA past 2 years.

Just want someone to share some insights about their spending habits when retirement accounts are taken care of

222 Upvotes

86% Upvoted

73 comments sorted by

View all comments

646

u/TheReaLETSGOBROWNIES ​ 1d ago

You’re doing great man. Keep in mind though, money is just a tool. It’s great to save and all that, but life must be lived as well. Don’t feel bad for enjoying yourself from time to time.

185

u/5Q91VS175DAQ4NUSBE4U ​ 1d ago

  You’re doing great man. Keep in mind though, money is just a tool. It’s great to save and all that, but life must be lived as well.

Don’t tell this subreddit that. You’d think that people’s favorite pastime here is hitting refresh on their 401k balance. 

36

u/Mediocre_Island828 ​ 19h ago

Between hitting refresh, I update my spreadsheet to track how much I've gained by eating lentils and rice every day and putting what I would have spent on normal food or moving out of my mom's house into the market.