I doubt this is a valid model of economic reality (even as a rough approximation). I seriously doubt that the average American is saving anywhere near as much

I doubt this is a valid model of economic reality (even as a rough approximation). I seriously doubt that the average American is saving anywhere near as much for their retirement as this simulation suggests. "Nearly half of baby boomers born between 1948 and 1954 and now between the ages of 56 and 62 are at risk of not having enough money in retirement to pay for basic expenditures, EBRI reports." - http://www.washingtonpost.com/wp-dyn/content/article/2010/07/14/AR2010071405229.html http://www.washingtonpost.com/wp-dyn/content/article/2010/07...