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Last year, I rolled over $95k from a former employer's 401k to the new one. I was 29. That's not a $100k plus rollover, but close ;) And the total balance with the rollover was well over $100k. So it happens.

I started contributing to my 401k at 19, but that year it was very little ($1000). And almost nothing at 20 also. But after 21 I started putting it as much as I could - not quite as much as I wanted, due to HCE limits.
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