It's always a good idea to contribute as much as possible to a 401k/IRA/Roth IRA.
However, before you start thinking that you're not up to par, ask some of the folks that stated $300,000 - $500,000 at age 41 what their age and balance is. It's an anonymouse board, so it's not rude to ask.
@BackInTexas:  I'm in my late 50's and before 2008, I had $1.2 mil in my 401k. The crash took a big chunk of that!
4951