That's about ~25 years if one is contributing ~25k a year (reasonable 3% match + 18k yearly limit) and the accounts are yielding a nominal 8%, which is not incr

That's about ~25 years if one is contributing ~25k a year (reasonable 3% match + 18k yearly limit) and the accounts are yielding a nominal 8%, which is not incredibly impressive (5% real give it or take). Make the nominal interest 10% (probably more similar to the actual returns in the past two decades) and we get there in ~20 years. Contribute more (e.g. backdoor roth and/or mega backdoor roth) and we get there much faster.