I work for a company that offers 401k plan with a solid match. 6% but it vests over 3 years.
Anyway, people always tell me to contribute and they discuss amongst each other how much they contribute. Usually they say they contribute maybe 2-5-10% to their 401ks. I'm very quiet when people start discussing 401ks because I don't want to sound arrogant or like I'm bragging. They always tell me, "You should increase your 401k contribution by 1% every year."
Sounds good, but I can't do that, per IRS limits. I'm maxing mine out with to the IRS limit of $19,000 for 2019. I have been maxing out since I was 23 at previous employers too. My previous jobs offered the after-tax option too, this one does not, but I maxed that out as much as I could too. So pretty much I have it maxed out pretty well.
I want people to talk about it so maybe people who are uncomfortable with investing could normalize it and see it as something they should do.
On the other hand, I don't want to discuss the details of how much I contribute because it usually results in people think I am making a lot of money even though they can infer that I'm not (these are people with very similar roles to me and the band is not more than $10-15%).
So how do I handle conversations about the 401k?