<prompt> Human: Hi PF, I wanted to start 2018 off right by maxing out my contribution to my company 401k so that I can have a nice nest egg for myself in retirement. Given that I am only 26 my retirement calculator is estimating that Ill have 4mil in my 401k if I retire at 67 and will have an income of 25kmonth. The tool is also telling me that I should expect to spend a whopping 22kmonth on healthcare expenses when I retire netting me 3kmonth to live on. Is this for real? That number seems insanely high to me and is quite shocking considering Im in such a good financial condition so young to be able to save like this. How in the world does anyone else do it considering so many people dont start putting money into their retirement accounts until later in life and with lower contributions? I thought I was going to be in good shape with the numbers I was seeing but this expense estimate really has me stressing out.  <response>: No one has any clue what health care costs will be in 40 years. So much could change or not change. 