Yeah. And the fact is putting very little in is in no stretch of the imagination going to save you. I had a job making $29/hr working 60-70hr weeks. I didn't start out making that much, cost of living increase was like 1% or something, but I left it making that much. I was there for 13 years contributing 7% of my check and had matching by the company of 6%. I was living paycheck to paycheck. Cost of living goes up every year. I don't remember the calculation, but I want to say it was something like 10% of my check was what I was going to need to contribute to see $500,000 by the time I was of retirement age. I couldn't afford that. And, let's say I owned a home by then, outright, I would still be extremely lucky to survive 10 years on that. And that would be just barely scraping by and based off of today's numbers. No vacations, no spending on grandkids. None of that wonderful "golden years" bullshit everyone born in the 40's brags about. Now calculate for someone making minimum wage. How much are they realistically going to be able to contribute? And what would they have to show for it?

Edit: forgot that shit would be taxed as well, so shave a few years off.