[smokey0066]

Thank You.

With my current income I could comfortably put away half my monthly income (one paycheck).

My maximum pre-tax contribution is 25% and at that rate I would max out my 401k for 2007 before the end of 2007. I don't understand why post tax contribution is bad. Doesn't that reduce your income tax when you start withdrawing from your 401k since that money was already taxed?

I re-read my post above and I wasn't very clear. I should have asked how do you figure out what the optimal ratio of pre/post tax contribution is since reducing the pre-tax contribution will likely increase my tax bracket if I were to contribute post tax.

Right now all my extras at the end of each month go into ING Saving which is fairly high but not the highest interest saving account out there. That is my "emergency fund".

I have nearly zero monthly expenses although I do go out quite a bit and enjoy my youth. I have zero debt at the moment (THANKS to Mom and Dad for college). So I am trying to take advantage of that now with the fact that my savings will compound even if I reduce my savings when my life changes in the future. My public education did teach me something =D but not enough.