6d • General discussion
What’s a “good” 401(k) balance?
Most people chase a number without understanding why that number exists.
This post breaks retirement down in plain language using real math, not hype.
You’ll learn:
- How lifestyle costs actually drive your 401(k) target
- Why the 4% rule matters (and where it falls short)
- The difference between needing a lump sum vs needing annual income
- Why most people don’t have a retirement problem—they have an awareness problem
This isn’t about vibes, guesses, or generic advice.
It’s about aligning your money with your life, timeline, and expenses.
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What’s a “good” 401(k) balance?
