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Retirement Thoughts

In order to max out my contributions for my 401k (15,ooo) I would have to contribute around 30% of my income. Wow. I am not even close to that. I currently contribute 12% with the thought of increasing my contributions to 14% in January. I want to say that there is no way that I could max out my contributions, but in the back of my mind I know that I could cut some expenses to do that. But do I want to? I will have to think long and hard about that.

Should I just pay more towards my mortgage and work to lower that amount? I just do not know the right plan of action to take. So confusing. Any suggestions??

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