I know, right? Even $100-120k would make a huge difference. I see people talk about maxing out their 401k, but who has $20k per year to save? I mean, I've done everything right - good grades, stay out of trouble, got an ok job, worked hard (not so much now after being screwed multiple times, went to night school for a masters, 9 years in, and still a not very successful intermediate developer. Kind of depressing.