re: Are you in the 1% club?

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Seems really low. Not even thinking about home equity, savings/checking accounts, I would imagine 401k accounts must be near that as long as you've been putting in there for 15-25 years. I've been putting 10% in my 401k for 5 years (28 years old) and already it's amazing how fast it piles up.

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I have been investing in the market for about 38 years, and am currently retired, and living off the investments. Once you have experienced a few market crashes like October 1987, the 2000 dot com crash, 9/11, and 2008, it becomes apparent that trying to speculate what a retirement account will be worth 10, 20, 30 years in the future is a futile effort. The best thing you can do is what you have already started, invest consistently over a long period of time, and try to increase your percentage up to the limits allowed as your salary increases.