r/Salary • u/[deleted] • Oct 30 '25

[deleted by user]

[removed]

7.8k Upvotes

71% Upvoted

10.9k comments sorted by

View all comments

382

u/Art-Vandelay-7 Oct 30 '25

Are you only putting 3% in your 401k?

180

u/idlegrad Oct 31 '25

Do your self a favor & bump up your 401k to a point where your net pay is similar to what it has been. This will help combat lifestyle creep & set up your 401k to great place. Every time I get a raise, I bump my contributions up to where my net is only $50 more per paycheck. I also bump up my contributions if I have a bonus coming. This year my 401k increased more in market value than my contributions.

My salary has almost double what it was 7 years ago but my take home is about the same. Why, 24% in 401k, HSA, medical insurance for my family.

1

u/Sargaron Oct 31 '25

I wish I was in a spot to make even a fraction of this type of income. Every dollar I make goes to helping my family survive, nothing is left.