[BlameKaneda]

For every bi-monthly pay period, I deposit 12% into my IRA and 4% into my regular investment account. Also, a certain amount is taken from my paycheck and deposited into my 401k.

I've deposited the maximum $6,000 into my IRA for the past two years, and I plan on doing so indefinitely. If it's December and the paycheck withdrawals haven't totaled $6k, then I'll transfer the remainder from my bank. And although I don't deposit as much into my regular investment account, whenever I see fit I'll transfer some of my bank account funds into it.

I wouldn't be able to do this if it were not for money coming in.

[cableshaft]

Didn't realize you could put more into an IRA when you're already maxing out a 401k. I should probably start doing that. Thanks to most of my 20s working for startups and small companies without a 401k, I'm pretty behind on retirement savings goals.

[brianwawok]

You can also just toss stuff in taxable investment accounts. Tossing 20k a year in FXAIX or whatever still adds up over time,