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<p>That’s not in my control. In 90s all the companies I worked had offered employer match. All the companies I worked in the last decade didn’t, still I max out on all my yearly contributions. My 401K dropped 45% in 2007-08, I didn’t panic because if I had it would have all gone. I’ve recovered a lot since then but it is still not same.
So stock market is not in my control.</p>
<p>What I was trying to convey that it is certainly better to start saving towards retirement early but if one want then they can’t do it starting late in their 40s or 50s. </p>
<p>I think we need to plan for the worst and hope for the best.</p>