Some of you are off to a terrific start! Let’s look at potential accomplishments: • You are employed or own your business and have a steady and growing income stream. • Have paid all education loans off. • Contributing (HOPEFULLY AT MAXIMUM LEVEL - $18,500) to your 401-K. If not at maximum level of your 401-K you are using your annual raises to increase your participation percentage in your 401K until you reach maximum amount of ...