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How much should a 70 year old have in a 401k?

According to a 2025 Empower report, the median 401(k) balance for people in their 70s was just over $92,000, revealing a significant gap between reality and financial recommendations. So, how much should a 70 year old have in a 401k for a comfortable retirement? The answer depends less on an average and more on your specific needs, lifestyle, and income streams.