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itamp;#39;s great to have you here on the Clark Howard Show you know our mission is to serve you with advice and information that empowers you so you make better financial decisions in your life and you know I am obsessed with living on less than what I make saving for the future and I recently saw some stats on the average 401K balance by generational group and thereamp;#39;s a real Troublesome spot that I want to address also if you are someone you know does contract work does a side hustle whatever Iamp;#39;ve got some key information for you about taxes that you cannot ignore so there thereamp;#39;s an issue I want address that was in a report from Fidelity Investments which has one of the largest 401K programs if not the largest in the United States Fidelity has long been a big-time player in 401ks and has just such great data on whatamp;#39;s going on with 401ks and there is something that is as clear as could be in their data and that is that Gen X which are people that wer