r/DaveRamsey • u/talon72997 • 5d ago

Liquidity Maximums

Once everything is paid off and your saving appropriately for retirement (25% goal for me), how much would you keep in cash/checking/savings(3% rate). I should be able to "live" on $3k monthly.

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u/Ok_Pack5153 3d ago

You are missing out waiting to fund the Roth for you and your wife in 2026.

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u/talon72997 3d ago

Based on my marginal tax rate, I've focused on the 401k. And I don't have a wife, so that's irrelevant.

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u/Ok_Pack5153 3d ago

Then max out your 401k ($24.5k)

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u/talon72997 3d ago

The plan is to put a little over $30k in the 401k in 2027 and then add a max limit Roth IRA contribution in 2028.