Most people I have worked with, like 95%, think just contributing the maximum the company will match to is all they need to do. For example, they put in 6% and the company matches with 4%. This is what most people think is the most they can do and should do. This will not get them to any kind of retirement. Unfortunately, having multiple children and/or having divorces truly the biggest drag on retirement. I've seen people just stop contributing after a divorce and they just are okay with having a crappy retirement. Next 20+ years are going to be bad.