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You should double down on your 401(k) contributions today to better your odds for a comfortable retirement.

I wouldn't let expected market returns impact the amount you feel is appropriate to save/invest today.

I already put a healthy amount into my 401(k), my employer matches $1.20 for every $1 up to 6% of my wages plus I usually get another 4% of my salary put in every April as a profit sharing bonus. I could put more in, but I’m trying to pay off debt and save for a house so that takes priority - even then I may invest in my brokerage account first to have semi-liquid assets available if something major happens and I need access to more money than I have in savings while not locking everything up in low APY hell.

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