<prompt> Human: Lets say I retire in 32 years with a maxed 401K, is that enough? I get that my question is subjective. The result is, if YOU only had a maxed 401K after 32 years, would that be enough?  <response>: It really, truly depends on the person. A common withdrawal percent is 3-4 annually in retirement. If that covers your expenses for 30 years, thats probably good enough. 