Career rocket fuel: Whether you're a millennal or eyeing retirement, here's what you really need to get right about work

Ogilvy One's Brian Fetherstonhaugh spends a lot of time thinking and talking about careers. Here, he offers a detailed plan for each stage of work life, designed with long-term success in mind. A surprising excerpt:

3. What percentage of your personal wealth do you accumulate after your 40th birthday?
Most people guess about 60%. Young people tend to guess smaller percentages like 40%. The real answer is 90%. The vast majority of personal wealth occurs after the age of 40.

And the ways to think about your career stages:

Career rocket fuel comes in three forms. And to take full advantage of Stage 1, you should accumulate all three types of fuel:
(1) Transportable Skills
(2) Meaningful Experiences, and
(3) Enduring Relationships

Read more on Fast Co Create. (Thanks, +Brandon Kearse)

That said -- all my 20-something friends, we should still continue to max out our 401(k)s and IRAs if possible. It's all about having assets that grow.