the rules that move the number
The same couple and the same plan, with no fee and with 1% a year. At 65 the median case has $386K less.
You asked for the link. The planner every chart came from is one tap away; the slides are below if you want them again.
Open the planner Type in one paycheck. About three minutes, in the browser.
Where to go next
Type in one paycheck and it runs your plan through every year of market history since 1871, with the taxes worked out. About three minutes, in the browser.
Open it