"They" all say sock away this much a month for 45 years and by the time you retire you will be worth millions. Is that realistically true? I am 25 now, and have been contributing for over two years now. Is it a realistic goal for me to retire at 65 or whatever and be financially independent, or is this accomplished in theory only? It seems every recession is a major setback to all the gains made in good times. What do you guys think or know about the truths about the 401k?

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1984 300SD Orient Red/ Palomino
1989 560SEC
2016 Mazda 6 6 speed manual
1995 Ford F-150 reg cab 4.9 5speed manual