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this post was submitted on 24 Dec 2024
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No Stupid Questions
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No such thing. Ask away!
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Well you need to put a fair amount in for a long time to get that millionair. If you are 20 now you can get there by 40 by maxing out your 401h, but if you are 75 now maxing out the 401k may not have got you there. Many young people have student loans so they can't max out the 401k and have enough to live. There is also saving for a house in there. And only about 50% even have a 401k option - ira limits are such that I'm not sure you can get to a million with them. Many people also don't make much even if you get a 401k at fast food (30 years ago they gave you that after 10 years in the store I worked in - when you maxed out and didn't get raises)
last but perhaps most important there is opportnity cost. several of my classmates have died in accidents long before they could retire. death rates from non accidents start to raise around 60-65 so even if you retire you may not have long to enjoy that wealth. For all of the above people they should have saved zero and enjoyed life young. Of course odds are you will retire but don't pin all your hopes on life after, start living now. Even if God tells you that you will live to 100, your body will start to have issuse starting between 40 and 55 - there are some activites it will be too late if you don't do them young - so go climb that mountain if you want.