1) Assumes you work for an employer that matches and
2) Have you looked at returns on ‘safe’ investments over the Bush-Obama years?
Until you are in your mid 50's, you shouldn't be in "safe" investments. Heck, even an index funds over the course of my lifetime have averaged 10%. That means your money doubles every 7.2 years. It isn't tough to get a million bucks. THE KEY: Start early, and put as much away as you can. By the time you are 40 you'll be in great shape.