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Those data must be available somewhere, but given the US habit of low savings rates, I would be surprised if a third of the working population has even $10K in their IRA after 20 years at work.

For those who plan to retire on investment income at age 65, by Motley Fools system, you need 25 years of living expenses to retire. So at age 43, roughly half way into your career, you would like to have 12 to 13 yrs of gross income in your investment portfolio total including IRA, 401K, and perhaps even the equity in your home (or other assets).

That is a tall order, but some people do manage to achieve those numbers. And the nice thing is, when you get to those levels, the investment income from your assets is likely to add at least one year of gross per year in addition to your savings.

If you max the pretax portion of your 401K with match at three years you should have 36% of income invested plus 18% in employers match. You should get to one year of gross pay at about 5 yr. Then in six years, 11 yr total, you save/earn another year, plus your first one should double for 3 yr gross income. At 17 yrs, 7 yrs; at 23 yr, 15 yrs; at 29 yr, 31 yr. Compounding effects can be powerful once you get started.
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