There is one question that turns perfectly rational adults into anxious wrecks at 11pm:
"Wait, how much should I have in there by now?"
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At 30 you wonder if you started too late. At 40 the mortgage and daycare are eating the raise you just got. At 50 the math stops being theoretical. And at 60 the question flips entirely: can this thing actually pay me?
So let's do this properly. Real benchmarks, the math underneath them, why two of the biggest firms in America disagree about your number, and what to do if you're behind.
Spoiler: being behind is extremely fixable. Panicking is not a strategy. 👇