How 401(K) Sprints Can Make You A Multi-Millionaire (By AGE!)

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Oct 6, 2025

Discover the revolutionary 401(k) Sprint strategy that allows you to max out contributions for a brief 5-10 years, potentially turning you into a multi-millionaire. Learn how starting early in your 20s can lead to gains of over $2 million, while even late starters in their 60s can significantly boost their retirement. Get insights on traditional vs. Roth 401(k)s and the impactful two-on/two-off cycle approach. Uncover how strategic saving can outperform decades of mediocre contributions for all age groups!

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INSIGHT

Short Intense Sprints Beat Decades Of Drip Saving

401(k) sprints are short, intense saving windows (5–10 years) that can replace decades of steady contributions.
Concentrated early contributions let compound interest do most of the work for retirement wealth.

ADVICE

Pick A Sprint Window And Max Out

Pick a sprint window and max your 401(k)/403(b)/457/TSP contributions during that time.
Stop or reduce contributions after the sprint and let your investments compound for decades.

INSIGHT

Time Multiplies Early Contributions

Time value of money is the sprint secret: earlier dollars multiply far more than later ones.
Dollars invested in your 20s can be worth 10–20x by retirement with compound growth.

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In this episode of The Personal Finance Podcast, Andrew introduces the 401k Sprint strategy—a game-changing approach where you max out retirement contributions for just 5-10 years instead of grinding for 30-40 years straight, proving that a 25-year-old who contributes $23,500 annually for only 5 years can retire with over $2 million while someone starting at 60 can still add $430,000 in just 5 years using catch-up contributions. He breaks down the exact numbers for sprints starting in your 20s, 30s, 40s, 50s, and 60s, explains the difference between traditional and Roth 401k strategies, and shows why the 2-on/2-off cycle approach (maxing contributions for 2 years, taking 2 years off, and repeating) can still build nearly $3 million by retirement—proving that short bursts of intense saving combined with compound growth can beat decades of mediocre contributions.

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