This is spot on. The average 401(k) balance at age 65 hovers under $300,000. But the problem isn’t necessarily the retirement account you choose. You could place money in any financial vehicle and still see similar results if you’re not addressing the real issue—your investing habits. The truth is, many people simply aren’t investing enough each year. So before switching strategies or vehicles, focus on improving your savings habits. Once you’ve got that down, then explore other options to maximize your retirement. #RetirementPlanning #401kSavings #FinancialHabits #WealthBuilding #InvestmentStrategy