Middie,
Sorry to be indelicate, but how much do you weigh? How much other load is the bike carrying? Passenger? And, what preload setting do you have on your shock?
The "sag" is how much the bike lowers on its suspension with just the bike's weight and then with the rider's weight & other load. Properly set, it gives an equal chance of not topping out nor bottoming out. If changes are needed beyond the adjustment range (including spacer length in the front) then different springs are needed.
Here's how to do it. With some help from a friend it is easy, as long as you haven't lowered too much as GW describes.
Suspension Adjustment