Totally - it was more of an example of the quality of the subreddits. If they’re willing to get those details right then they have the earlier steps really well established.

It's definitely high quality. I guess I'm just jaded about being a loser.

You are contributing to a 401k and have a family. The two data points you’ve revealed contra-indicate loser status.

TC?

You talk about maxing out your 401k, but have looked into you maximizing your income to the be able to save more?

(Of course money is not the only important thing in your life)

i agree, mega backdoor seems to be a perk for staff / VP level employees.

No, those are called deferred comp plans and they’re a whole separate ballgame. MBDR is much more accessible to your average six-figure earning employee.

There's also 403(b)