First job out of law school, aged 25, 106k salary, 2001. Worked for around 10 years and now staying at home, and I'm so thankful that I maxed it out every year. It was a fluke, too. Even though I went to law school and had a well paying job, I was not financially savvy and this was in the very early days of Google and readily-available personal finance advice. I attended the lunch by the 401(k) rep with a co-worker who, as we were leaving, just made an off-the-cuff remark about how, "Given the power of compounding interest, only an idiot would not max out..." I nodded like I knew all about it and maxed out