 Even if you followed what the government suggested practices are for your 401k. In other words, you can only put so much in your 401k. That's max. That's all they'll let you get away with putting in their tax deferred. Same thing with your IRA. They only let you put in so much each year for your IRA tax deferred. If you follow the government's model and put in the maximum amount, what this article is saying, you still wouldn't have enough.