[tostitos1979]

Not sure why you were downvoted. I feel the same way. People might be going boo-hoo ... but they don't understand the point you are making. I presume you have a high paying job in a very expensive area. If you moved to a cheaper area, the job would either not be available or be at a much, much lower pay. Also, you probably pay 40+% of your income in taxes.

Just because I get a high software salary now, I have no confidence this will be the case 3-5 years from now. I feel the same.

[murph-almighty]

Around 100k here, but living at home while aggressively paying off student loans and maxing my 401k. It's weird to effectively not be saving money to knock off debt and shove my money into a retirement account I won't see for a while.

I've also been strongly contemplating reducing my 401k contributions because I suspect a downturn is around the corner...

[tostitos1979]

I was "over contributing" to my 401K for years ... I realized this when it came time to buy a house and fork up a down payment. I was rich in 401K but not in liquid cash :( Still no house but do have dependents, etc. Depends on your situation of course.

Btw ... kudos for living at home while making good income. It is very, very easy to go on the hedonic treadmill and rent a fancy apartment, but a nice car, etc. The longer you can maintain a student lifestyle, the better off will be your pocket book.