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According to TMF's retirement calculators, if we continue to max out dh's 401(k), my Roth and start a Roth for DH he can retire at 47.

Not bad for a guy who is 38. This does include social security which I don't like to rely on in my calculations. Without social security benefits, he can retire at 49. That seems wrong somehow. I thought SS would provide more over our lifetime than two extra years of working.

You have an additional two years of compounding of everything saved prior to age 47, before you start withdrawals. Plus you have the two extra years of savings. In addition, in theory your guy will have about two fewer years in retirement.

(I don't know about the last part though. They've found that working past age 55 decreases life expectancy...)
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