$1.9M assuming you start at 25 with 15% on a $100K salary ($15K stashed away) and retire at 65. I'm assuming real returns of 5%. You have a point. That is not

$1.9M assuming you start at 25 with 15% on a $100K salary ($15K stashed away) and retire at 65. I'm assuming real returns of 5%. You have a point. That is not even safe retirement money today and definitely not in 40 years time.