Ahem, good comment, but: At age 22, you make 25k and get 0% matching, and can afford 0 to put into your still-hypothetical retirement fund. At age 50, if you'

Ahem, good comment, but: At age 22, you make 25k and get 0% matching, and can afford 0 to put into your still-hypothetical retirement fund. At age 50, if you're the median person, you make 50k. And you need that money to put your kid through college.