Maxing out a 401(k) is surprisingly rare — but may be easier than you think

Andy Hill, the 37-year-old blogger and podcaster behind “Marriage, Kids and Money,” went from sorely lacking in retirement savings — to maxing out his 401(k) plan the last six years.

The father of two, who is also a sales director for a marketing company in Michigan, said he’s been amazed by the power of automation, and has already saved more than $130,000. Aside from “setting it and forgetting it,” Hill said he researched low-cost index funds and rode the stock market as it climbed upward. “When you’re in your 30s, it is tough to think of what retirement might look like in your 60s, but what gets us both excited is how compound interest can make a big leap,” he said.

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