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I didn't know you wanted the discussion to be centered on your situation. I was speaking generally about someone starting out today.

I didn't mean it to come out like that. I was trying, unsuccessfully, to point out that things do change over time.

I'm also not convinced, even if you do max out every year for 30 years in a retirement account, that that will be enough money at retirement age, and I'm not willing to take that chance, so I also save in a taxable account.

$3.5 million sounds like a lot of money today, but I don't know what that will be worth in 30 years when someone would be retiring. I know that I will need more money to live on when we were retired than what I lived on back in my 20's, even adjusting for inflation, and a good portion of that is because I will have different, and unpredictable expenses, such as having to provide my own medical insurance. With pensions all but gone for most folks, I doubt that I am in a unique position on needing to supply my own medical insurance and/or care, and that's a huge amount of money that needs to be accounted for.

If folks are comfortable just maxing out retirement accounts and assuming that will be enough, that's fine, but it is not something I would ever feel comfortable in doing, and I was trying to point that out, but I missed the mark.
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