Americans in their 30s are about halfway to retirement age but may not be putting away enough to meet their savings goals. Here's how to boost contributions.
By age 30, you should have close to the equivalent of one year's salary saved for retirement,Americans between the ages of 30 and 39 have a median balance of $17,400 in their 401s as of the first quarter of 2023, according to Fidelity Investments data provided to CNBC Make It. The average is a bit higher at $46,000 but can be skewed upward by a few accounts with larger balances, which is why the median is generally a better measure.
"Fixating on one number may not be healthy," she says. "You don't have the context and it doesn't take into consideration progress made along the way." In practice, that could look like upping your contributions 1% each year until you reach the maximum contribution, Cheng says. If you're not a percentages person, you can aim to set aside a certain dollar amount from each paycheck.
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