A household starting strong, dipping savings to 10% and then 5% mid-career, and then ramping back up, is predicted to retire with over $3.3 million in investments over 40 years, assuming an 8% rate of return.
"Even with 10 years of saving, just 10%. And another 10 years of saving, 5%, midcareer, they still retire with over $3.3 million invested."