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I'm gonna be a wannabee forever. :(

I've been running numbers on my savings rates. It looks like my goal to retire in 12 years is simply impossible, unless I find a significant raise or an explosive investment that ends up being a 10 bagger or more. Even saving for 20 years, just barely gets me to the place were I could retire comfortably. At that point I am not retiring early.

I am saving still. I do 13% of my gross salary in the 401K(it includes the company match) and another 12% of my net salary, currently into VFINX. I do have a healthy efund and am funding the normal expenditures, vacations, home/auto repairs, gifts, and so forth. But the numbers are not adding up to the point where I feel safe enough to retire. I actually push another 15% of my net salary to deal with those things.

What is slowing me down? My wife wants to move to a bigger house. I am not convinced, but still am setting cash aside. If we decide not to move, I'll be able to invest it. I also have a car note that I am aggresively paying down. Without these two outlays, I would be a bit closer, but still no where near the amount I've estimated I need.

I am discouraged.
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