The 401(k) Numbers Are Lying to You
Record-high 401(k) balances may make retirement savers feel like they are finally getting ahead—but the numbers could be creating false confidence. Vanguard’s latest retirement savings data shows median 401(k) balances rising sharply, while much of that growth appears tied to strong stock market returns rather than improved saving habits. We explain why investment growth alone may not be enough, how the declining personal savings rate affects retirement readiness, and why increasing your contribution rate—even by 1%—can meaningfully strengthen your financial plan. Learn how much you should save for retirement, evaluate your 401(k), and become an active participant in building long-term wealth.
🔗 How Much Should You Save? → https://moneyguy.com/resource/how-much-to-save/
🔗 What 1% More Can Do for You → https://moneyguy.com/resource/what-1-more-can-do-for-you/
🔗 Wealth Multiplier by Age → https://moneyguy.com/resource/wealth-multiplier-by-age/
🔗 Financial Order of Operations → https://moneyguy.com/guide/foo/
🔗 Compound Interest Calculator → https://moneyguy.com/tool/compound-interest-calculator/
🎓 Brian Preston (CFP®, CPA) and Bo Hanson (CFA®, CFP®) share professional insights to help you own your financial future.
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