Starting early and consistently saving more money in your 401(k) is more impactful than chasing higher investment returns, as illustrated by the story of Laura and J.R. Laura, who began saving at 25 and chose a simple target-date fund, ended up with over three million dollars by age 65, thanks to the power of compounding. J.R., who delayed saving and opted for a riskier private market fund, couldnt catch up, despite his investments performing slightly better. The key takeaway: focus on how much and when to save, not just on market performance.

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