If you feel saving $10k/year is "extreme and condescending" and saying that is what you should do with your life... 1) The retirement laws setup basically say

If you feel saving $10k/year is "extreme and condescending" and saying that is what you should do with your life... 1) The retirement laws setup basically say that is what you should do which is why their limit is ~$23k/year. 2) Good luck retiring in the future saving less than $10k/year. 3) Literally every financial planner on the planet tells you to save 10-15% of your income which for a developer is going to work out to ~$10k.