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Average 401(k) balances for Americans are on the low side. Median balances are even lower, and are more representative of people's savings. Most of us will need to build bigger nest eggs. If you're ...

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Be sure you understand the difference between average and median numbers. When it comes to 401(k) balances, both average and median numbers seem low. It's best to aim for a much fatter nest egg.

These average and median 401(k) balances tell us a lot. Recall what a median number is -- it's the middle number in a series of numbers arranged in order. So if your series is 78, 101, 135, 204, and ...