[bluGill]

If you contribute the max to a 401k for 30 years you should have around 2 million (and don't put everything into stupid investments, which many 401ks make hard). But that is $20k/year that doesn't go into your wallet. Of course inflation needs to factor in - 30 years ago your max contribute was about half of today ($9,240.00 vs $23,500.00) and so your expected result would have been more like 1 million. But if you contributed the max for all those 30 years you are probably close to 2 million. If you start today for 30 years you should be quite a bit more than 2 million - but how much I cannot predict. I'm assuming above that you get an employer match which most do.

The above assumes you have a 401k. Those plans are more available than any previous retirement option (other than social security which nearly everyone has and is mandatory). However even though 401k is available to more people than previous workplace retirement plans, there are still large numbers who don't get a 401k (someone who can have one but chooses not to is also an issue).

The above is US centric. Many people reading this don't live in the US and so have completely different options that I have no idea about.