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You would be surprised. By the time you get there you probably wont even have to touch the 401K money. I manage my mother’s fund’s and we take the minimum distributions from her IRA but that is all. Ultimately, your 401K money will probably end up funding your children’s retirement accounts and theirs after that. That is how it goes for most folks that plan well and have good incomes and , conservative financial outlooks over the long run. Each generation has a bigger nest egg they dont need to touch which gives them the security and stability they need to suceed beyond the one that preceded them.