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Can you work out the percentages?

I mean, when you had lots more income, you saved large amounts.
Now, you're uncertain if you're saving enough from a smaller income.

I agree it's hard to feel it, so calculate how much you were saving and see if that helps.

"$65k a year, with $15K taken out for his 401k. " NOW
so roughly 25% of income now is going to the 401k

WAS
if the combined income was $100K, then 25% of it for retirement was 25K
since it was a larger amount you could put the $15K to the 401k and put 10K to other arrangements.

You could look back and see how much you were contributing to savings in percentages, then figure the amounts those percentages calculate with the current income.

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