Bob, thx for the chart. Yes your totals add up to the 314,00 and change, however it does not include any interest at all from year one of 1995. Man that's over 20 years of no interest or growth shown. Per Dave Ramsey (I know you either like him or hate him) The kind of savings and accounts you offer in your example minus any other retirement accounts, in another 10 years with average growth and interest he says you will be a million air 2-3 times over. I honestly believe the examples you provide would be a lot closer if not at or above 500K easily. And once you have reached that level is when you really start to see your growth on a daily or weekly basis as the interest really start to stand out with that kind of amount gaining in interest and good growth. If you honestly think that you will only make 300K at 20 years of savings then you need to do one of 2 things or both. Fire your advisor or finance expert you are using. OR get your duff and move your own crap around (401K) for a much better return growth and interest gaining. You should have noticed 2 major jumps in account growth at 100K and again at 250K, and once you hit that 500K, man it really shoots up there or yes even down depending on the market which is where having full control of you retirement comes in real handy on moving your assets around and not counting on some lazy dumb a$$ to do it for you, it's not his money and he has too many accounts at 1 million plus-plus to worry about your little ole 300K account. He makes way more money off the much larger accounts to worry about the smaller ones. That's why I like my full control of my accounts. In-Out, stay, move, reallocate, freeze, 10%-100% I can do what ever when ever I want. You can not do this at all with a pension fund. I know you were not claiming a pension fund but throwing that out there as a comparison between the two.
