I've got a confession to make. I didn't know my 401(k) contribution rate until I went digging for it in my portfolio materials.

Now that I know it (it's 4 percent), and I know I'm consequently going to be short on my income goal, I'm not too hard pressed to change it. Mainly because, like a lot of other savers, I feel I've got time to make up for it. That, and nobody's ever told me right now is probably the most crucial time in my life to make sure I have a viable plan.

But hey, at least I'm saving something, right? If only it were that simple.

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