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Just a little more to add. First, your eFund should be 3-6 months expenses, so do your budget and figure out how much that is. Second, can you contribute more than 6% to your 401K? Generally, you want to fund your 401k up to the company match, fund your RIRA, then go back to your 401k. If you see kids in your future, you can also put money away toward their education in a 529. But more importantly do you see a first home down the road? A certain someone you hope will say yes? All these things are life events for which you could start saving.

Who hears that being financially independent is sexy...
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