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>> That's true but with 21 years until retirement, there are no guarantees that the pension plan won't change by then. I'm maxing out the 401k and the IRA too. On the bright side, we have four more years to get the mortgage paid off. We're in four years into a 30 year loan and I want to have it paid off prior to retirement. <<
Yeah, true, especially if it's a corporate plan. I had one frozen on me quite a few years back. It really is feeling like a long, comfortable retirement for most people was an economic anomaly that is slowly working its way out of existence.

Hope it all holds together. :-)

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