Got a Late Start
I'm 36, and got a later start in my career when I went back to college in my mid 20s. Ran up a bunch of debt and then jumped from HCOL city to another chasing career advancement and a graduate degree. In that time, I didn't put a lot into retirement because I was living nearly paycheck to paycheck.
I currently sit at about $60k in 401k, with another $30k in an old pension account that I'm trying to transfer over to my 401k.
I've come into a new job with 5% company match, and I can max out my yearly 401k and IRA limits while still paying all my bills and living a comfortable but not extravagant life.
My automated retirement tracker my company uses says I'm only on track to cover 82% of my likely costs in retirement, but I've looked at other analyses that seem to indicate that I'll have a very comfortable retirement if I keep on my current trajectory. Thought I'd solicit some feedback from helpful redditors. Should I try to cut back on extra expenses to invest more with my personal accounts, or will my 401k/IRA leave me in a good spot for retirement at 65? Currently live in MCOL area, and plan to stay.
401k is currently 100% invested in S&P 500 for the low fees and relatively stable growth.