[jksmith]

Exactly what is %15 for 30 years going to get me but delayed poverty? The standard retirement language in this piece is just bs peddled by money managers that I've been hearing all my working career.

[lumberjack]

$1.9M assuming you start at 25 with 15% on a $100K salary ($15K stashed away) and retire at 65. I'm assuming real returns of 5%.

You have a point. That is not even safe retirement money today and definitely not in 40 years time.