<prompt> Human: TLDR - Im afraid my retirement account with my broker is gaining nothing and never will. Im terrified that my 401k at work wont be enough and petrified that I will wake up at 50 or 55 with nothing. Long story short, Im 35 and didnt get my financial shit together until about 10-12 yrs ago. By that time I was in debt and spent several years digging my way out. Now I am doing fairly Ok I think though people are welcome to punch holes in my little bubble.My W-2 says I made 70k last year. Ive made 60k the last 4 years previously averaged around 35-40k. I have a grand total of about 60k in retirement and as I look ahead 15-20 years Im terrified this wont be enough and I will end up as one of the old people that politicians scare every election year.Of my 60k in retirement, 20k in my work Roth 401k. I put in about 10 per paycheck. Thats enough to get a match. They match me 50 cents to the dollar up to 3k total match. That account has about 28 growth the past 4 years and that includes my contributions.My other account Im extremely worried about. Its a Roth. I have 40k in there and its with a local broker. For years Ive contributed 100 a month. This past year or so I upped that to 200 a month. Even with this, my portfolio here is only 3 over the past 4 years. I can post a breakdown of the portfolio if anyone cares.Any advice for me? Im not sure how to recover from this or even if I need to. Edit: Clarified some things. Edit 2: More financial info - The only debt I have at present is the house. I owe 40k on it at present and working on getting it paid off in the next year and a half. Assistant: Right now is not the time to worry about your gains. Do you know how much money you need to have when you retire? That is step one. Step two is to move out of the broker into an Indexed fund that covers most of the stock market or world markets.Without knowing how much money you need, how can you be worried you wont have enough?Human: Do you know how much money you need to have when you retire? My goal is to be a millionaire.Assistant: You want to have a million dollars in the bank at age 65? Usually when talking about retirement, people talk about it from the stand point of how much money they need to live on per year. Human: I want to retire at 50 or 55 and have a million or close to it by then. There are several millionaires in my family. Id like to join them and not be the only non-millionaire.  <response>: If you want a million by 55, you need to start investing about 25 of your income, or make a lot more money. 