**If you saved for 40 years, you could start to live on the interest alone, and make more than you made while working. ****Just to keep the math simple, let’s just assume you currently make $10 per hour, full time (which is $20,800 per year), and you keep your contribution at that 3% of $10/hour rate, even after you earn raises. In 40 years, you will have contributed a total of $23,040 to your 401(k). Onin would have doubled that to $46K+ with their matching contributions, and your investment would be worth $300,518.66. You turned $23K into a third of a million dollars, one cheeseburger at a time, just by being patient and consistent. ****Also, assuming an average 8% growth, the interest on your $300K+ would be more than $24,000, per year-- that’s $3200 more per year (just under $300 per month) than you made while working. You’d retire with a 13% raise. And you’d still have $300,518.66 invested, earning another $24,000 in interest over the next year. ****At $15/hour ($31,200 per year), you’d have $450,778 in your 401(k). At 8% average growth, you could live off of $36,000 per year. That’s a 15% raise.**