[jbapple]

Over a 40-year career, assuming 4% real capital growth after inflation and a 3% safe withdrawal rate in retirement, a worker has to invest 25% of their gross income every year to have the same net income in retirement (assuming identical taxation rates).

The median annual household income in the US is around $60k.

[gameswithgo]

That doesn't leave much left to eat and cover up from the rain with.