Though you are getting 100k+ on paper, you might be looking at significantly lower pay based on your tax slab and deductions. Regardless, go for max retirement by using all options you have - 401, Roth; emergency savings based on your current cost of living and possible future expenses (renovations, new house, new city); 529 for the kiddo(s); life insurance and disability insurance for you - this is a must if you haven’t had one. Sure, you are here and getting a huge pay check, but if something unfortunate were to happen to you and reduce or completely stop your pay, then you family needs to be taken care of.