Here's how much Americans have saved for retirement at every age (via CNBCMakeIt)
However, most people likely have much less: The median 401 balance is just $35,345.
But try not to fixate exclusively on your exact balance. "If you focus too much on your account balance, you may be tempted to react to short-term volatility at the expense of your long-term financial goals," says Nilay Gandhi, senior wealth advisor at Vanguard. "We believe participants need to reach a total saving rate of 12% to 15%," including employer contributions, says John James, managing director of Vanguard's institutional investor group.Here's the average retirement savings rate for investors at every age:
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