Maxing out your 401(k) can go a long way toward helping you cover your retirement expenses, but it's a feat few people actually achieve. It's pretty challenging to set aside that much cash, especially since you usually can't touch money you put in retirement savings until you're at least 59 1/2. Fortunately, you don't have to max out your 401(k) every year -- or even once -- in order to enjoy a comfortable retirement.
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