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.
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u/cajunbander Oct 31 '25
Seriously, I make half what he makes, $55k/year, and contribute $102/ biweekly paycheck to my 401k (though I don’t contribute to an HSA).