I’m 44 with $1.3 million in my 401(k) — can I stop contributing and still retire in 15 years?
A Reddit user recently posed an intriguing question: at what point does contributing to a 401(k) become unnecessary because compound growth alone will handle the heavy lifting? The 44-year-old poster has already accumulated $1.3 million and plans to retire at 59 1/2. He noted that even maxing out his contributions would represent just 1% of his account’s expected annual growth. His goal is straightforward: generate at least $100,000 per year in retirement income. Can he coast from here, or shoul