[wmorgan]

Yeah, it’s hard to reconcile the assertions by the author, that he has contributed in a "disciplined" way to his 401(k), and he’s 41, and he doesn’t think his savings will replace his income. The S&P 500’s total return over the past twenty years has been around 11%, annualized. That’s on track to millions, maybe even tens of millions for him by retirement age.

Maybe he's nervous comparing the top-line number in his retirement account to his expected expenses, but (a) he's got 25 years of compounding ahead, and (b) anything else he manages to save in the meantime -- including on his mortgage -- is going to help as well.