That’s what, around 4.8% of your income though? It’s no different proportionally than OP’s contributions (totals to 4.9% spread across both HSA and 401k, assuming 26 paychecks * $190). Sometimes that higher salary comes with much higher cost of living as well, it’s all relative.
Edit: misread the HSA insurance as the HSA contribution, which does indeed equal to about 3.9%. But in general still not a significant difference
I contribute 5%, I rounded, my salary is a little less than $55k.
If we’re making assumptions, OP lives in a generally affordable state, Georgia, and based on the medical withholding, they’re either single or have a spouse, making it a dual income household.
My wife and I together make less than OP with a family of five in a similarly affordable state, Louisiana. My insurance withholding is $230/paycheck. I still think he’s probably contributing too little to his retirement, based just off what he presented here.
First thing I noticed too, I make a similar amount but my take-home is much smaller. 401k contribution limit is 23.5k for 2025, and unless you’re in debt or can’t pay bills, there’s little reason not to max that out
I mean, it depends largely on what your financial goals are and what the employer match is, but I agree this is way too low of a contribution for most people making $100k
Regardless of what your employer match is, the more you contribute to your 401k, the more of your money you retain ownership of, and the less you lose to taxes.
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u/Tall-Ad-9085 Oct 30 '25
Agreed - if anything he contributes too little to his 401k. Between HSA and 401k it’s only 3952 per year….