I've been doing some retirement calculations as of late. The good news is that if we keep doing what we're doing (maxing out the 401k's and IRAs) and we should be fine to retire early (when I'm 50 and DH is 53). The IRAs should cover us for the 18 months until DH hits 55 and can access his 401k and start getting his pension. At 55, I'll receive the same.

Of course, I'd love to be able to retire even earlier than that but DH doesn't seem as gung ho as I am. He wants to enjoy the money now vs later. In addition, I think he believes he'll be bored without a job.

So going forward, my focus will be on asset allocation (I recently discovered the Boglehead forum) and debt elimination. The one 'entry criteria' I have for retirement is having our mortgage paid off. We're 3.5 years into a 30 year mortgage. I'm striving to have it paid off in no more than 20 years.

-Steph