This is a concept page, what can a highly paid worker achieve? Let's say this person earns $200k now and their income grows with increases in contribution limits for Roth IRA, Roth 401k and 401k limits; and their employer (or their own company) allows agressive matching up to the legal limit set by the government. The employer can contribute 25% of your salary (up to a certain level, a person would cap out at a salary near $200k) to a 401k, you can contribute up to $23500 (more with catch up contributions) to a 401k (I suggest a roth 401k) and you can contribute up to $8000 starting in 2026. I asked ChatGPT to predict the increases in both 401k and IRA, so future increases can be factored in. You can do 8% (what people typically plug in), 10% (just below S&P 500 average) or 12% average (at or below the blended rate for long term holding S&P 500 and Nasdaq 100 in a 60/40 split.) The real difference happens long term, if you can get to this level at 18 (not an easy task, top models, athletes, actors do it; start ups usually take time and possibly have explosive value later) but the goal was to see how extreme it could get. The 401k with matching (or same match from employer into a 401k and your own contributions to your own roth 401k account, ask a tax attorney) can reach $100 million in 47 years at 12% and the Roth IRA can reach $18 million. All this, from simply a high paying job. To make it more human, 2 lawyers earning $100k each from 25-72 because they like working; the numbers are the same except for student loan repayment. Remember, this is a tax benefitted account; the 401k income is taxed, but the roth ira and roth 401k are not. You could put all that into stocks that you write covered calls on and live off that income quite well. You could maybe get some benefit from the 401k by putting it into qualifying dividend stocks (check with a tax attorney.)