"Investing is important—but it’s just one piece of the puzzle. Real wealth isn’t just about growing your money; it’s about keeping more of what you earn by optimizing every part of your financial life. Research shows that a holistic financial plan—one that includes smart decisions around savings, debt, and insurance—can be worth thousands of dollars a year. At IronFjord, we don’t just manage portfolios—we build comprehensive financial strategies that put your entire financial house in order, so you can focus on living your life, not stressing over the details. And yes, we geek out over our low-cost, in-house portfolios too—but only after we’ve built the solid foundation they deserve.

Retirement can feel like a far-off dream—until it’s suddenly right around the corner. Whether you’re just starting your career or closing in on your golden years, one big question lingers: Am I saving enough?

Your 401(k) is one of the best tools for building long-term wealth, but how do you know if you're on track? While there's no one-size-fits-all number, looking at average 401(k) balances by age can give you a benchmark. So, let’s break it down—how much do people actually have saved, and what can you do to boost your own 401(k)?