I didn't even really make it to full retirement. Once it was known I was retiring from full-time employment, I was offered a variety of projects. I did those and really only kept a couple. I probably work 25% time and actually make more than I did my last year of regular employment.I thought my husband was more interested in retiring than he is. I now know it's unlikely he'll retire for at least 10 years because he gets more than 4 weeks a year vacaion and every other Fri off and enjoys his job.I seem to be saving most of what I make. I had thought I would do 72t distributions but there's no need. 2 of 3 kids are out of college and the last one has 1.5 years left. Our expenses have been declining and should decline a bit more with a move to a condo in the spring but the move was about convenience.We never passed up a matching penny and took advantage of all IRA opportunities except non-deductible traditional ones because they made no sense to me. We recently increased my husband's 401K contributions to the maximum(had only done to the match before) because we had extra money. I'm not sure what ratio you're looking for.rad
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