Original Message

Starting pay 30 years ago was 28-30k  

Matching was 25 cents on the dollar up to 5% , also had to be employed 1 year before eligible for 401k

I was barely able to defer 12% all these years

Life also happened, layoffs, kids, moves, divorce....

I do not have 1 million in the 401 yet, probably 5 years away...

It works out better for some than others. My suggestion for all the industry haters, is leave.  If you don't like it, no one is holding you hostage here.   Also, as Elon said: GFY!  good for you