I can't really answer the poll because I was 38 when I started full time work (kids, you know). I retired at 50. I saved the max my company would allow - and they kicked in 11%. Those were the days. Actually I really saved more than I was allowed because my company misinterpreted the 403B rules. When they figured it out, they were going to let me save only a minimal amount. So I left and became a consultant (big increase in pay) and saved the max in a Keogh. Also saved outside of retirement vehicles. Also got a modest inheritance that had been put in very good stocks. Also very frugal. It all adds up.arrete - quite content inspite of the fact her Allied Irish Bank just had very distressing news (in today's headlines)
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