Oh, and for those who are thinking, "Huh, 6.5% return is pretty good", remember that's based on individual contributions alone. Your employer contributes the sa

Oh, and for those who are thinking, "Huh, 6.5% return is pretty good", remember that's based on individual contributions alone. Your employer contributes the same amount on your behalf. Meaning that for a Top 20%-er, you and your employer are contributing more than you will see back in absolute dollars (ignoring inflation, which makes it worse—you and your employer give me $1 in 1970s dollars and I give you $0.90 in 2017 dollars).