Let’s say that health insurance and retirement make up about 50% of the taxes and deductions. 13% of that is health insurance. 17% is on HSA. 70% is on retirement accounts.
The other 50% is on taxes like social security, medicare, income tax, etc.
In all, 22% of the gross pay is on healthcare and retirement. The other 22% is on taxes.
Assuming that there is still room after net pay to pay for monthly expenditures, I think there should still be room for improving the numbers. I’m mainly curious about the tax burden. It seems like if you are already paying that much on taxes, then just increase the retirement allocation up to the maximum allowed and shift the tax burden until later in retirement.
