My base salary is 87,000 but i am a part of a program where i get 5% raises every 6 months.

Webthe $14,000 you put in the ira is costing you an extra (insert times tax rate here) probably $3k a year in savings.

The path may depend on your employer's plan offerings if it allows it at all.

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Webyou contribute 6% into your 401k, to get your employer to put in the full 5% match.

Webright now i am contributing 20% roth to my 401k.

Note that there may be tax implications depending on your situation.

I don’t get my employer match until a year after working, but my employer contributes 10% of my salary every year regardless (it’s only fully vested after 6 years).

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