<prompt> Human: The higher maximum contribution amount for personal 401k contributions in 2015 is great news for employees who maximize their 401k contributions already. However, just 12 percent of 401k participants hit the maximum contribution limit in 2013, according to a Vanguard report.Source: US News Primary source: How America Saves: page 26 PDFJust 12 percent? Im frankly amazed that more than 1 in 10 are maxing their 401ks. And thats up from 9 in 2010. Obviously this is of people who have 401ks at Vanguard, which isnt everyone, but I think thats great news and makes me more optimistic about the general populations financial literacy than I had been. So... if you think no one bothers tois able to max out their 401k, heres evidence that plenty of people do. Assistant: Honestly, it surprises me more that that many hit their max.Not just a matter of income, either - I have friends who make more than I do, who absolutely refuse to put even a single penny in their 401ks no, not even up to the employer match.Ive debated it with them until I go blue in the face, and they just dont seem to get the idea that someday, they wont make 95kyear and SS really doesnt pay enough to live comfortably on.Human: Honestly, it surprises me more that that many hit their max. I think thats what I said :P But yeah, I dont think 1 in 10 of my friends would even try to hit the max. But I dont engage in arguments about personal finance with my friends. It makes me uncomfortable and I feel like most people who are going to debate me on anything arent really open to having their minds changed. If someone asks me, Im happy to share everything I know, but Im not going to nag anyone or try to change someones mind unless my financial future is tied into theirs. I worry that Ill end up feeling guilty in 10-20 years when they are in a bad position and I couldve done more to help them, but ultimately were all responsible for our own decisions. My friends are all highly literate with access to the Internet -- none of this stuff is a secret.  <response>: ...I dont even have 10 friends 