I’m 29 and have $45K in my 401(k) — and retirement calculators say that could grow to $4.5M by the time I’m 65. Is that way too high?

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At 29, having $45,000 in your 401(k) means you’re ahead of most of your peers and already on your way to retirement. However, there’s still some way to go before you can fully enjoy the fruits of your savings. According to Vanguard’s How America Saves, the average retirement savings for Americans…

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