I'd say $3M is probably on the pretty low end, other than maybe for 121 latecomers or the previous generation of CA's. In today's pay scales, you'd have to be stupid to get hired at a major in your 20's and not walk away 40 yrs later with 5-10+ mil in total investments. Most anyone over a couple few years at a major at this point is getting cash $$$ in the last few months of the year (some well earlier than that) in lieu of 401k contribution because employer contributions are already maxed out. And there is still a whole lot of $$$ to invest into things other than the 401k if you don't live like a moran.