I'm not familiar with the abbreviation of "BSN", what does that regard? If you have an alternative option of savings, what would you do budget differently? Would you use the 50/30/20 rule? Why or Why not? To switch up on the 401K, do you prefer the traditional or the Roth 401K? Another interesting perspective from the article by Investopedia is "Make sure that you still save enough on the outside for emergencies and expenses you may have before retirement," saysDan Stewart, CFA, president of Revere Asset Management Inc., in Dallas. "Do not put all of your savings into your 401(k) where you cannot easily access it, if necessary."